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Does Homeowner’s Insurance Cover Flood Damage?

owners insurance

If you’re a homeowner you may be curious about your flood insurance coverage on your home. Homeowner insurance can be tricky to navigate and may bog some down as your flood coverage can depend on various policies in your insurance.

Currently, there are millions of homes at risk of flood damage, knowing your flood insurance coverage can save you a lot of effort and time. Homeowner’s insurance can be complicated and may run through different agencies based on various events and types of damage.

United Water Restoration Group, a company that focuses on water, mold, fire, and flood damage remediation, would like to help you navigate this trail. Flood insurance coverage can vary depending on location and the style of your home. 

What Does Homeowner’s Insurance Cover?

Homeowner’s insurance vastly varies from policy to policy and what your home covers may vary depending on your location. For instance, homes in a dryer part of the country that see very little water may avoid flood coverage while taking advantage of coverage from natural events in that area. Homeowner’s insurance provides coverage for the following areas:

Personal PropertyIf your home has a natural disaster or covered event takes place, your personal items may be covered. Items such as furniture, clothing, and electronics are typically covered by homeowner’s insurance. Certain items like jewelry and collection sets, like sets of valuable items, china, coins, or otherwise. 

Dwelling Protection This coverage is the basic component of homeowner’s insurance and simply covers your home in case of a disastrous event. If your home’s roof, floor, ceiling, or walls are damaged this coverage will take care of you. Certain areas like garages or separate buildings may need special coverage.

Liability CoverageIn event of damage to another’s property caused by your property, your insurance may cover the expenses. If a tree falls from your property and damages your neighbor’s home or items, you and your homeowner’s insurance are responsible for the damages. Liability coverage can also assist in case of a medical emergency or physical damage to one’s wellbeing at the home. 

Other Structures ProtectionCertain structures may not typically be covered by your average homeowner’s insurance policy. A mother-in-law suite or a separate garage may need special coverage plans. If you are unsure if one of these is covered, we implore you to reach out to your homeowner’s insurance company and check.

Does Homeowner’s Insurance Provide Flood Coverage?

Depending on your area, your homeowner’s insurance may or may not have flood coverage. Typically, the average homeowner insurance policy for those in flood zones varies depending on risk. If a home is more susceptible to flooding, insurance companies are less likely to provide flood coverage.

United Water Restoration Group, a company that focuses on water, mold, fire, and flood damage restoration can assist you in any flood situation. Whether you are covered by your insurance for remediation or not, we are able to help. If you are experiencing a flood event in your home, you can contact one of our technicians to start our flood damage remediation process or discover the details about our flood damage services on our blog!

We provide services in Ormond Beach, Florida, Jacksonville, Florida, Daytona Beach, Florida, Orlando, Florida, Tampa, Florida, Melbourne, Florida, and many other locations around Florida!