Does home insurance cover flooding?

Flooding is not covered by most home insurance policies. To protect your home from flooding, you would need to purchase a separate flood insurance policy.

Well, unfortunately, flooding is one of those things that home insurance usually does not cover. Whether surface water damage results from a semi-monsoon that’s been deluging your area for a while or from a river overflowing, you’re kind of out of luck unless you have a flood insurance policy.

(When we say flooding, we mean “Umm, I can go swimming off my deck because there’s literally a lake in my backyard.” Basically, it’s when there’s a lot of water on the ground where usually there isn’t a lot of water.)

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How do I get a flood insurance policy?

You can go through the National Flood Insurance Program (NFIP if you like acronyms – and who doesn’t?) Keep in mind that the policy will most likely take 30 days to become “active”, meaning that it will take 30 days from the date that you purchase the policy for your coverage to kick in.

Do I have to be in a high-risk flood area?

No. As long as your community participates in the NFIP, you should be able to get a flood insurance policy. Many flood claims come from low to medium-risk flood areas, so it’s something to consider even if you aren’t in a high-risk area.

Why should I get flood insurance?

As we mentioned, flooding is not covered by home insurance. It’s just one of those things that are considered “nope” when it comes to coverage. When you consider that a single inch of water can cause a lot of damage to your home, it’s not hard to see why you might want to at least consider getting flood insurance. Or else you’d be left to clean up the indoor swimming pool that’s in your living room by yourself. And that’s no fun.

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