Does homeowners insurance cover flooding?

Does homeowners insurance cover flooding? Yes, but only in cases where flooding is accidental, such as a burst pipe or leaking appliance. Flood insurance protects properties from water damage caused by weather. You must purchase flood insurance through the NFIP or a private insurance company if you want complete flood protection.

At Holt Flood Insurance, we work with the NFIP and several private flood insurance companies. Who you decide to go with depends on your situation and the coverage you need. While insurance through the NFIP is affordable, it only covers homes worth up to $250,000. With private companies, you get more coverage. If you need to figure out who to go with, we can help. With over 30 years of flood insurance experience, you can trust us to give you the best advice you need.

So, when asked if homeowners insurance covers flooding, we have to explain to our clients that there is flooding coverage under regular insurance, but it has to be accidental flooding. In the event of a flood caused by weather and they do not have flood insurance, they will not have coverage and need to pay for repairs out of pocket. Repairs without flood insurance can cost thousands of dollars.

To learn more about homeowners insurance covering flooding, visit our website or call (540)809-1415. We will answer any questions you may have. Contact Holt Flood Insurance today.

Back

Here is what our clients are saying about us:

We contacted Mr. Holt for an estimate via email over the weekend prior to a closing on a property, hoping for a response on the following Monday to take with us with confidence in being insured at the settlement table on a Tuesday. He exceeded our expectations not once but in readily responding to the initial request and then to follow-up questions all during the weekend frenzy that occurs before closing. "Impressive and responsive customer service," for sure!
Ken Reuwer

I have known Tim for many years and he is a man with great integrity, work ethic and one of the nicest persons I know. Over the years Tim has provided insurance counseling and advice to our company, for myself personally, as well as to our clients. Recently Tim, took time to analyze our flood insurance policy and he was able to make some excellent recommendations. Our flood insurance costs are now less and we have much better coverage. I recommend Tim to anyone without hesitation or reservation.
Edward Semambya, CPA

I have no problem giving you an A1 reference for taking care of the flood policies for me and Diane. I appreciate you working with the mortgage company: the surveyor and our previous agent. The result was a 75% reduction in our flood insurance premiums!
Mike Edwards