What’s a Flood?

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Don’t just assume that a flood is not covered by your regular homeowner’s policy. The insurance industry uses the term “flood” very specifically as water that has crossed the ground and entered the house uninvited. This is the type of flood that needs to be covered by flood insurance from the federal government – the National Flood Insurance Program (NFIP).

To regular people, a “flood” is just a lot of water where it’s not supposed to be. Several years ago, a contractor broke a pipe in my apartment. To me, six inches of water on my floor looked exactly like a flood. To the insurance company, it was called a “pipe burst” and it was covered by my policy. A short time before that, water came in across the ground and through my windows, which were at grade level. That was a “flood” and the damage it caused was not covered.

Here are some more examples of the differences between what type of water damage is covered by your regular homeowner’s policy and what needs a special flood policy from NFIP.

Covered by the homeowner’s policy

  • If your home or building is damaged from the outside by a covered peril (wind, fire, explosion, etc.) and rain gets into the house because of that damage – through a hole in the roof for example – that is a covered loss on the regular homeowner’s policy.

  • If the water originates inside the house like from burst pipes, plumbing overflows, dishwasher/washing machine malfunctions, or kids putting in too much detergent – all covered.

Covered by the National Flood Insurance Program

  • If a storm overflows a body of water near you and water comes over the ground and into your home, that’s an NFIP claim.
  • If there’s a heavy rain and water seeps into your house from the yard through the foundation, that’s an NFIP claim.

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Rule of thumb: as soon as water touches the ground outside and then comes into the house, it’s NFIP.

If you’re unsure, call us to find out.

For more information on the NFIP, click here.

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