The short answer
What Standard Policies Cover
Standard homeowners insurance typically covers sudden, accidental water damage, like a burst pipe or a roof leak from hail. But flood damage, which is defined as water entering your home from the ground up, is usually excluded. Storm surge and heavy rain that cause flooding are considered flood events, not covered by a basic policy.
If you live in an area where spring storms can bring heavy rain, it is worth reading your policy carefully. Look for the word "flood" and see if it is listed as an exclusion. If it is, you know you need a separate flood policy.
The Role of Flood Insurance
Flood insurance is a separate policy, often through the National Flood Insurance Program, but private options exist too. It can cover damage to your home's structure and your belongings. Without it, you may face the full cost of cleanup and repairs out of pocket.
Policies vary, and your insurer decides what is covered. Some flood policies have limits and may not cover certain items like crawl spaces or detached structures. Check your policy for specific coverage details and any waiting periods before the policy takes effect.
- Read your policy declarations page
- Ask your insurance company about flood coverage
- Consider a separate flood policy
- Document your belongings with photos
- Keep your policy number handy
What to Do After a Storm Flood
After a flood, safety comes first. Do not enter standing water if there is a risk of electrical shock or contamination. Turn off the power if it is safe to do so, and avoid contact with floodwater. See a doctor if you feel unwell after exposure.
Document the damage with photos and videos before any cleanup. Contact your insurance company as soon as possible to report the claim. Even if you are not sure about coverage, filing a claim can start the process. Keep receipts for any emergency supplies you buy.
Cleanup and Drying Your Home
Floodwater can soak into drywall, wood, and insulation, creating a breeding ground for mold. The pros often use industrial pumps and dehumidifiers to remove water and dry out the structure. Drying may take days or weeks, depending on the extent of the flooding.
If you have flood damage, local water damage pros can help with extraction and structural drying. They have the equipment to handle large volumes of water and moisture. Acting quickly can reduce the risk of mold growth and further damage.
- Remove standing water promptly
- Open windows and use fans
- Discard soaked porous materials
- Dry out walls and floors
- Watch for mold growth
Preparing for Next Storm Season
Before the next storm, check your flood risk and review your insurance coverage. If you live in a flood-prone area, consider buying flood insurance even if it is not required. Also, keep important documents in a waterproof container.
Knowing your coverage and having a plan can reduce stress later. Keep a list of emergency contacts, including your insurance company and local water damage pros, so you are ready.
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Call Now (469) 698-4610Frequently asked questions
Does homeowners insurance cover flood damage?
Usually, no. Standard homeowners policies exclude flood damage, which is defined as water entering from the ground. You need a separate flood insurance policy for that. Check your policy to see what is covered.
What is considered a flood by insurance?
Flood is generally defined as an overflow of water onto normally dry land. This includes heavy rain, storm surge, and overflowing rivers. Water that enters from the ground up is typically flood, not covered by standard homeowners insurance.
Can I buy flood insurance after a storm?
You can buy flood insurance anytime, but there may be a 30-day waiting period before coverage starts. If a storm is coming, it may be too late. It is sensible to buy before the season starts.