Does My Home Insurance Cover A Flood?
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.
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