I have a question about flooding of a home??

Question

My home is not covered by a seperate flood insurance plan. Am I covered by my regular home owners insurance policy? I am also not in a flood plane and I am not able to purchase flood insurance.

Answer 1

No.  Flood is specifically excluded on every single homeowners policy in the US.  It's ONLY covered by flood policies.

AND, you don't HAVE to be in a flood plain, in order to buy a flood policy.  So if you think, "oh, I'm not in a flood plain because I'm in Pittsburgh, so I can't buy flood insurance," it's not necessarily true.  Yes, I've seen flood claims in Pittsburgh.  And yes, you CAN buy flood insurance, in most places.

Ask your agent about it.  And get the answer in writing, because some agents are lazy and don't WANT to write flood.

Answer 2

Typically not.  The "water damage" exclusion typically excludes coverage for any type of surface water as to a homeowners policy.  The only possibility for coverage, outside of the National Flood program, may be sewer backup endorsement, if you have one (or if your base policy includes such coverage).  If the water backed up through a drain or sump hole, you may have coverage.  There is generally a limit for such coverage (I picked the $10k option) but it is better than nothing.  Good luck.

Answer 3

What kind of flooding? Homeowner's insurance will not cover general flooding, nor will it cover groud water seepage. It will normally cover flooding from a burst pipe.

Answer 4

Flood damage from a natural event (river or stream flooding etc.) is not included in homewners' insurance.  You can purchase separate flood insurance if your community is an NFIP participant.