Home Insurance Cover Flood Damage – Posted by Kate Deventer Posted by Kate DeventerArrow right Former insurance writer and editor Kate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Connect with Kate Deventer on Twitter Twitter Connect with Kate Deventer on LinkedIn LinkedIn Cate Deventer
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Home Insurance Cover Flood Damage
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Most homes are at risk of flood damage. According to the Federal Emergency Management Agency, 99% of cities in the United States experienced at least one flood event between 1996 and 2019. Additionally, just one inch of water can cause up to $25,000 in damage. That’s why it’s important to understand what your existing homeowners insurance covers and what additional flood insurance can provide.
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Flooding is usually not covered by homeowners insurance. Damage caused by flooding—which FEMA defines as “the general and temporary inundation of two or more acres of dry land or two or more properties”—is not covered by standard home insurance policies.
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That doesn’t mean you can’t get coverage. Typically, you must purchase a separate flood insurance policy for coverage. You can purchase coverage through the National Flood Insurance Program (NFIP), directly or through an insurance carrier that sells coverage, or from a private insurance company. You can also add a flood endorsement to your home insurance policy. Although rare, flood additives are available from several companies.
Although flood damage is not usually covered by home insurance, there are some types of water damage that may be covered. What’s covered will depend on your policy, and water damage can usually be added as an endorsement to your existing homeowner’s insurance. You’ll want to review your policy to find out what it covers and what additional coverage you want.
The types of water damage that are covered by your home insurance largely depend on what form you purchased and what endorsements you added. Policies come in many forms and most policies are HO-3 or HO-5 policies. For an HO-3 policy, your home is covered for “specified perils,” meaning that only the specific causes of loss listed in the policy language are covered, while not everything else. The HO-3 policy covers water damage from the weight of ice, snow or snow; storm; freezing and bursting of pipes; and accidentally overloading the household system.
An HO-5 policy covers your home for “open perils,” which means anything that isn’t specifically excluded is covered. Although this type of policy extends your coverage, flood is a common home insurance exclusion. If you’re not sure what coverage you have, talk to your agent or company representative to review your policy.
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While standard HO-3 or HO-5 insurance can cover many types of water damage, there are types of damage that are not usually covered. Flooding, as you know by now, is one of them.
However, there are other types of water damage that are not covered. For example, if your sump pump fails to function during heavy rains and floods, you could risk damage to your home. This type of damage, called a sewer reserve, is not automatically included in most home insurance policies, but can often be added. A water and sewer backup copy is a general home insurance endorsement.
Floods, mudslides, and landslides can also damage your home, but these perils are typically excluded from coverage. According to the Insurance Information Institute (Triple-I), you can purchase special policies to include flood and landslide coverage, but floods are not usually covered by any type of insurance.
Since there is a risk of flooding almost all over the country,
Homeowners Insurance And Water Damage
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