Not All Flood Claims are Made Equal
How do You Know When You Are Covered?
Flood insurance is tricky. Many homeowner’s policies cover certain flooding, like a sewer backup or bathtub backup, only in certain situations. For instance, if residential plumbing causes a backup, it is likely covered. However, if it stems from a natural flood, then a typical homeowner’s policy will probably not cover your flood claim. Additionally, your coverage may not include any other damages related to the initial flood, like mold growth. However, if you experience roof damage because of a storm’s high winds, which leads to a minor internal flood, your regular coverage may kick in, but how do you know when you’re covered?
Typical Storm Damage
When discussing typical storm damage, you need to consider wind, rain and property. Most insurers cover storm damage under the perils section of the policy, and in this section, they list the precise causes of loss they will cover. For instance, roof damage caused by strong winds is likely covered. Primarily, damage caused by the insurer's definition of a storm is probably covered under a standard policy.
Extreme Storm Damage
However, most policies will specify what severe weather damages they will cover. For instance, many insurance companies will not include a sewer backup caused by a storm surge or other flooding. These events are often deemed extreme weather events and considered too rare for universal coverage, meaning a specific policy, like flood insurance is needed.
Despite the policy breakdowns, after a flood, you may require the help of mitigation and remediation experts in the West Boca Raton, FL, area. These professionals will secure your property using storm shutters and help you determine who is financially liable for the damage to your property and its recovery.
When a flood claim involves external flooding, like a storm surge which causes a sewer backup, flood insurance is likely required for coverage. However, high winds resulting in roof damage and a minor flood may be covered in a standard homeowner’s policy. Therefore, it is best to check with your policyholder to review your coverage and inquire about other policy considerations.