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  • Writer's pictureVincent Fuccilli

Does My Home Insurance Cover A Flood?

Flood Insurance
Flood Insurance

Flood damage is not covered by a standard homeowners insurance policy. Water damage to your home may be covered if it was sudden and accidental, such as a broke water pipe. The water "flooding" your basement from a broken pipe is not the same as water caused damage from a flood.

As a general rule of thumb, if the water first touches the ground before entering your home, it is usually considered flood damage.

Whether you are in a flood zone or not, you may want to consider purchasing flood insurance either through the NFIP or Private Flood Insurance.

"Disclaimer: The content contained in this blog is for informational purposes only. It should not be considered insurance advice since every client's needs and circumstances are different.. Bergen Insurance Group, LLC makes no representation as to accuracy, completeness, currentness, suitability, or validity of any information on this site and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use. All statements represent the sole opinion of the author and is provided on an as-is basis. For an actual description of all coverages, terms and conditions, refer to your insurance policy.”

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