Does Homeowners Insurance Cover Flooding?

Homeowner’s insurance doesn’t cover flooding or damage caused by floods. However, it does cover water damage. Understanding the difference between the two is something that Right Choice Insurance and Taxes of Tuscon, AZ is committed to helping Arizona understand. This understanding may help residents to determine if additional investment in flood insurance might be beneficial to them.

What Is the Difference Between Flood Damage and Water Damage?

One of the easiest ways to determine if damage to your home or property would fall under flood damage or water damage is to understand that water that touches the ground first before entering your home is considered flood damage. Flooding is considered a progressive occurrence rather than sudden or accidental. However, homeowners insurance will cover water damage caused by overflow and discharge water damage. This can include damage caused by rain and storms and the fracture of heating, air conditioning, sprinkling, or plumbing systems. However, it would be best to keep in mind that water damage caused by insufficient maintenance will not be covered.

What Does Homeowners Insurance Cover?

Homeowner’s insurance does cover some forms of damage caused by water. The type of water damage determines the key difference in terms of coverage. For example, damage caused by extensive rain and storms is covered under homeowner’s insurance. Also, home insurance usually covers water damage that results from storms, rainwater, and the escape of liquid. If you live in a flood area, you need to pay close attention to what type of water damage is covered in your homeowner’s insurance. You may need to purchase optional/additional flood insurance in the event of a flood that would cause damage not covered by your homeowner’s policy. If you have questions about what homeowner insurance covers and if flood insurance would be a good additional insurance option, give us a call. We’re here to answer all of your questions.