Whether you live in a flood zone or you’re simply trying to prepare for a worst-case scenario in an area that rarely floods, you might wonder whether regular homeowner’s insurance covers damage from a flood. At Capalbo Insurance Group LLC in South Kingstown, RI, we’ve helped many homeowners determine which type of coverage is most appropriate for their home to protect against a wide range of issues, including flooding. While every home insurance policy is different, some general guidelines apply to what’s typically covered and what isn’t.
Does Home Insurance Cover Flood Damage?
Home insurance can protect you from a wide range of damage, which is exactly why it’s important to have coverage in place before you need it. Waiting until disaster strikes often means the damage that’s already occurred won’t be covered. In plain terms, it’s far better to secure home insurance while your home isn’t actively experiencing an issue than to wait until after a major storm hits or a pipe bursts.
Generally speaking, standard homeowner’s insurance doesn’t cover flood damage. That said, this doesn’t mean your home has to remain vulnerable. Separate flood coverage is often available if your standard policy excludes it, and in some cases, a policy may cover certain types of flooding while excluding others. Reviewing your specific policy is the best way to know for sure.
To explore your home insurance options, call us or visit us at Capalbo Insurance Group LLC in South Kingstown, RI, today!
