Does homeowners insurance typically cover flood damage?

Answer: No, never
Explanation: Good insurance is covered through the NFIP and the federal government.

Answer: No, never
Explanation: If you are in a flood zone then we do offer flood insurance to fill in the gap in coverage!

Answer: In some cases
Explanation: You need to check your coverage

Answer: In some cases
Explanation: Only if you specifically have added it your policy as a 2nd policy. It is required in certain areas (think Coastal or near Rivers) and a good idea elsewhere. It is only good as it specifically relates to flooding. A separate coverage rider is needed to cover sewer backup, if the backup was not caused by the rising floodwaters. Home damage caused by an 'internal flood' ie: pipes bursting or sink/tub overflow is not a part of a 'Flood' policy.

Answer: Yes, always
Explanation: Always

Answer: No, never
Explanation: You need a seperate policy for flooding; however, if you add the Water/Sewer Backup Endorsement to your homeowners policy, it will pay for any damage incurred due to water coming out of the sewer or sump pump.

Answer: No, never
Explanation: Will need a separate flood policy

Answer: No, never
Explanation: Flood Insurance is separate coverage only in areas that are designated as flood zones

Answer: In some cases
Explanation: Unendorsed homeowners insurance policies rarely, if ever, cover flood damage. Flood insurance is a completely different type of insurance policy, and is typically only offered via the federal government (although serviced by most major carriers). Many homeowners insurance policies specifically exclude flood damage. However, if the proximate cause is a covered loss which results in flood damage, the resulting damage may be covered.

Answer: No, never
Explanation: Most flood insurance is a separate policy from your homeowner's policy.

Answer: In some cases
Explanation: In some cases a secondary policy to cover flood damage is needed.

Answer: No, never
Explanation: A “Flood” is defined as a general and temporary condition of complete or partial inundation of normally dry land area by surface water, and the surface water can be from any source. In order for damage from the “flood” to be considered under the flood policy, the flood needs to be “a general condition” which means that it must affect two or more properties (one of which is yours) or if it is confined to just your property, it must cover two or more acres of land. Homeowners insurance excludes damage cause by floods.

Answer: In most cases
Explanation: Only if the policy holder opted for flood coverage on their homeowners policy.

Answer: In some cases
Explanation: You have to buy Flood Coverage separate from your Homeowner Policy

Answer: No, never
Explanation: Your homeowners policy will cover fire, wind, and theft. Flood is a separate exposure that you will need a separate policy for.

Answer: No, never
Explanation: True flood insurance is through the National Flood Insurance Commission, a division of FEMA. It's a government backed insurance policy, based on how close or far you live from a body of water that may damage more than two homes at one given time if it overflows. This is not to be confused with water or sewer damage, which IS an endorsement on a homeowners policy that covers internal water damage or sewer backup.

Answer: No, never
Explanation: Home insurance never covers flood damage. In order for flood damage coverage to be considered, the insured must have purchased a flood insurance policy through FEMA.

Answer: No, never
Explanation: Flood damage is covered by a separate policy that is underwritten by FEMA. MOST Home insurance policy now exclude Flood Damage.

Answer: No, never
Explanation: This is a separate plan, sold by the Federal Government.