It's important to make sure your home is protected from flood damage during hurricane season. While water damage caused by water that has intruded through a wind-damaged roof or windows is generally covered by your homeowner's policy, water that rises into your home from ground level is generally considered “flood damage” and is not covered.
Groundwater Versus Water Intrusion Through a Storm-Caused Opening
When the majority of damage from a storm is caused by flooding from the rise of groundwater, it is often the case the flood damage will not be covered by insurance because homeowners did not carry separate flood insurance. Often, the only interior damage that is covered as a result of rain entering the building is when wind or flying/falling objects cause an opening to the building that allows water to enter. Many people who suffered damage to their homes or businesses as a result of Hurricane Michael or Sally do not know this and will expect if their house floods in a storm that their current homeowner's insurance policy will cover the damage. Don't let this happen to you. If you do not yet have flood insurance, contact the NFIP at 1-800-427-4661 or Floodsmart.gov. You can also download this informative Summary of Coverage FEMA offers to help you understand your NFIP coverage. If you have questions about your homeowner's insurance policy and whether you have adequate coverage, please give us a call. We never charge an initial fee to sit down with you, review your policy, and answer your questions about coverage.