Flooding Not Covered on Homeowners Policies

Flooding Not Covered on Homeowners Policies

| March 03, 2024

We are fielding calls from concerned clients after floods hit their neighborhood, wondering if they are covered for flood damage to their homes.  Unfortunately, flood losses are NOT covered on any homeowners policy, as mentioned in a recent CNN article.

A "flood" is defined by an intrusion of ground water from the exterior of a property.  A separate flood policy must be purchased for the property in order to have coverage.  

Flood policies are not just for those living near a body of water. Climate change and the higher frequency of super storms has lead to an increase in homeowner losses due to flooding.  We have had several clients experience flood losses due to heavy rains, many of which are in urban areas.  Without flood insurance, they have to cover the loss on their own. 

Every California homeowner should have flood insurance, especially those living on a hill, below a hillside, or below street level.  Don't wait until flood season to get coverage, if you can help it.  Many companies have up to a 30 day wait for coverage to start.

You can never predict the time, cause and severity of any major loss, and the effect it will have on you. You can control purchasing the proper insurance to protect against such a catastrophic loss.  As big winter storms are getting to be more frequent, please, stay safe, and let us know how we can help you. 

Contact Us if you have questions, or would like a flood policy quote.  Stay safe out there, and let us know how we can help.