Is Flood Damage Covered By Homeowners Insurance?

When it comes to protecting our homes, we often think about burglaries or fires. But what about floods? It’s a natural disaster that can cause significant damage to your property and personal belongings.

So, the question is: does homeowners insurance cover flood damage? In this blog post, we’ll explore the answer to that question and provide you with tips on how to file a claim for flood damage with your homeowners insurance company and prevent future flooding in your home. Let’s dive in!

Does homeowners insurance cover flood damage?

Homeowners insurance policies typically do not cover flood damage. Floods are considered a separate natural disaster and require a separate policy to protect against them. However, there are some exceptions to this. If the flooding was caused by something covered under your homeowners insurance policy, such as a burst pipe or overflowing bathtub, then you may be able to receive coverage for the resulting flood damage.

It’s important to note that even if you live in an area that is not prone to flooding, it’s still worth considering purchasing flood insurance. Just one inch of water can cause thousands of dollars in damages. And unfortunately, floods can happen anywhere at any time.

If you’re unsure about whether or not your home is at risk for flooding and what type of coverage you need, speak with your insurance agent. They’ll be able to provide guidance on getting the right coverage for your specific situation.

While homeowners insurance policies typically don’t cover flood damage, it’s still essential to consider purchasing additional flood insurance coverage regardless of where you live.

How to file a claim for flood damage with your homeowners insurance company

If you’ve experienced flood damage in your home, it’s important to file a claim with your homeowners insurance company as soon as possible. Here are some steps to take when filing a claim for flood damage:

1. Contact Your Insurance Company: The first step is to contact your insurance company and inform them of the flood damage that has occurred in your home.

2. Document the Damage: Take photos and videos of all affected areas, including furniture, appliances, walls, floors, and ceilings. This documentation will serve as evidence for your claim.

3. Keep Track of Expenses: Keep track of any expenses related to clean-up or repairs after the flood.

4. Meet With Adjuster: Once you’ve filed a claim with the insurance company they will send an adjuster to assess the damages done by flooding in your house

5. Review Your Policy Carefully: It’s essential that you review your policy carefully so that you understand what is covered under it and what isn’t.

By following these steps when filing a claim for flood damage with your homeowners insurance company can help ensure that you receive proper compensation for any losses incurred due to flooding in your home.

Tips for preventing flood damage to your home

Floods can cause serious damage to your home and belongings. While it may not be possible to completely prevent flood damage, there are steps you can take to minimize the risk.

Keep gutters and downspouts clear of debris so that rainwater flows away from your home instead of towards it. Additionally, consider investing in a sump pump or backflow valve installation for added protection against basement flooding.

It’s also important to regularly inspect your roof for any signs of wear or damage. Fixing leaks as soon as they’re spotted is key in preventing water from seeping into your home during heavy rains.

If you live in an area prone to flooding, consider elevating appliances such as washers and dryers on concrete blocks. This will help protect them from potential water damage.

Make sure you have a comprehensive emergency plan established with all members of your household. This should include evacuation routes, emergency contact information and instructions for shutting off utilities if necessary.

By taking these preventative measures now, you could save yourself thousands of dollars in repair costs later on down the line.


Flood damage is a serious issue that can cause extensive damage to your home and personal belongings. While homeowners insurance policies typically do not cover flood damage, it’s important to understand what coverage options are available in your area.

If you live in a high-risk flood zone, purchasing additional flood insurance may be necessary. However, there are also steps you can take to prevent or minimize the impact of floods on your property.

By following our tips for preventing flood damage and knowing how to file a claim with your homeowners insurance company if disaster strikes, you’ll be better prepared for any potential flooding incidents.

Remember: It’s always better to be proactive than reactive when it comes to protecting your home from disasters like floods. Don’t wait until it’s too late – take action now before the next big storm hits!