If your flooring was damaged due to being in floods or tears, would your insurance pay out ?

Question

If your flooring was damaged due to being in floods or tears, would your insurance pay out ?

Answer 1

I'd *make* them,Kirst - and they'd be crying all the way to the (river)bank!

Answer 2

It's possible - they've probably read/heard dafter claims

Answer 3

Flood is one thing water damage is another.

Water damage is a separate rider to your homeowner insurance. Floods are still an exclusion.

Answer 4

Ha Ha I doubt it kirst !!

Answer 5

No, the only way that you would be covered is if you had flood insurance which is Federally backed.

Answer 6

Most of the answers provided so far are only relevant to people living in the US.  In the UK, floods are covered as standard by a contents policy.

Answer 7

Doubt it there are some poor things not covered for the flood in past or they had good insurance but they found loop holes as per usual.

Answer 8

Queen B is correct.

Answer 9

only if you have flood insurance not just regluar home owners

Answer 10

Don't think they would believe that one Kirst!! Original though!!!

Answer 11

Flood insurance is a separate policy and will only be covered if you carry it. Your basic homeowners insurance only covers wind, hail, fire and water damage for something like a pipe bursting. Same goes for eathquake insurance, separate policy and coverage is excluded from your homeowners policy. Contact your agent and review everything that your policy covers.

Answer 12

if you are talking about an actual flood, no.  you would have to have a flood policy for that.  if you are talking about something such as your floor is damaged because your water heater broke and flooded the floor, then yes.