Flood Damage Insurance Coverage

Water damage from natural flooding, storm surge, or overflowing bodies of water. Compare how different insurance companies handle flood damage claims.

Typical Coverage Status

NOT covered by standard policies - requires separate flood insurance

Common Exclusions

  • All flood damage without NFIP or private flood policy
  • Basement contents
  • Landscaping

Prevention Tips

  • Purchase flood insurance
  • Elevate utilities
  • Install sump pumps
  • Know your flood zone

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