Homeowners insurance policies don’t typically cover flooding, and storm damage to your vehicle might not be covered under your auto policy.
TAMPA, Fla. — Hurricane Debby dumped a foot or more of rainfall in some areas of Tampa Bay, causing damage and flooding.
VERIFY went to the experts for advice on filing insurance claims to get your questions answered.
THE SOURCES
THE QUESTION
Do homeowners and renters insurance policies cover flood damage?
THE ANSWER
No, homeowners and renters insurance policies do not typically cover damage from flooding.
Standard homeowners and renters insurance policies usually only cover water damage from sources inside the home, like leaks or burst pipes, insurance companies Progressive and American Family Insurance say.
The National Flood Insurance Program (NFIP), which is managed by FEMA, contracts with insurance companies to offer flood insurance policies. Some private insurers also offer their own flood insurance policies, which may provide higher coverage than those issued by the NFIP, according to the III.
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