How Do I Know If My Homeowner’s Insurance Policy Covers Flood Damage?
Whether the flooding is caused by heavy rains during a thunderstorm or hurricane, property owners are often tasked with preventing damage from occurring or being left to pay for the repair or replacement costs themselves.
Here is why.
What is the Difference Between Water Damage and Flood Damage?
Water damage and flood damage are two different things — especially when it comes to homeowner’s insurance policies.
The primary difference is that water damage occurs suddenly or accidentally from a source inside the home, like a busted pipe. Flood damage is caused by storms, over-saturated ground, or surging or overflowing bodies of water like ponds, rivers, lakes, and oceans.
If the water comes from outside the home during a flooding event it will not be covered by a standard policy that does not include flood insurance.
Can I Purchase Flood Damage Insurance?
According to the Federal Emergency Management Agency (FEMA) floods — including inland flooding, flash floods, and flooding from seasonal storms — occur in every region of the United States.
Federal flood insurance policies can be purchased directly from an insurance professional, where available.
If you have questions about flood insurance in your area, contact your homeowner’s insurance policy representative directly and be sure to ask if there are any additional coverages available that may be appropriate for your home.
Contact The Morgan Law Group, P.A. Today To Schedule a Free Consultation
At The Morgan Law Group, P.A., our insurance claims attorneys can help you understand what type of coverage is included in your insurance policy before any damage occurs.
If your home has suffered water or flood damage, and you are experiencing resistance from the insurance company through delays, undervalued responses, or claim denial, contact our experienced flood damage insurance claims attorneys in Florida, Mississippi, Louisiana, and Puerto Rico at (844) 818-0774 to schedule a free consultation and learn how we can help you pursue the outcome you deserve from your insurance policy.