Homeowner’s insurance usually doesn’t cover flooding. However, you may have other types of insurance that insure flooding. Ask your insurance agent or look up your policy online to see what coverage you have. Consult with AlphaSure Affordable Insurance Services in San Antonio, TX for expert advice.
What to Know About Homeowner’s Insurance and Flooding
Homeowner’s insurance policies vary, but most will cover some level of flooding. If your home is worth less than a certain amount, then you would most likely be covered up to that amount. Homeowner’s insurance only covers loss, not damage.
Homeowner’s insurance may not cover home damage caused by flooding. Some homeowner’s policies may cover flood damage, but the amount can be limited. If you’re in this situation and want to learn more about the coverage options available to you, contact the insurance agent that you used to purchase your policy.
It is always a good idea to contact your homeowner’s insurance company to find out if they offer any coverage for flooding and to get a comprehensive policy overview. You can also get a different flood insurance policy.
Homeowner’s insurance policies vary widely, so it’s important to do your research and shop around to find the policy that best suits your needs. In general, most homeowners’ policies won’t cover flood damage if it was caused by the following factors.
- An overflowing sewer or drain line
- Heavy rain
- A pipe that bursts
- An overflowing water heater
- An overflowing water cooler
- An overflowing swimming pool
- A pipe that bursts due to freezing temperatures
- A pipe that bursts due to high pressure
- An explosion
- A lightning strike.
Contact Us Today
If you live in a flood zone, you must purchase flood insurance, which is sold and administered by the federal government through FEMA. Flood insurance is available for buildings but not contents. For any insurance-related queries in the greater San Antonio, TX community, call us today at AlphaSure Affordable Insurance Services.