As a homeowner, it’s essential to understand what your insurance policy covers. Most standard homeowner’s policies do not cover flood damage. The National Flood Insurance Program defines flood as a temporary condition that affects more than two properties, usually associated with surface water.

What’s Covered, What’s Not

Examples of water damage that are generally covered by standard homeowner’s insurance include wind damage from storms, burst or frozen pipes, or overflowing toilets. On the other hand, flood damage includes surface water damage after heavy rain, a rising creek causing property damage, or an overflowing drainage canal or sewer.

A standard homeowner’s, landlord, or renter’s policy does not typically include coverage for floods or damage caused by floods. However, you can obtain flood insurance through FEMA’s National Flood Insurance Program or a private flood provider.

According to FEMA, 40% of flood insurance claims occur outside of high-risk flood zones. Even if you think you live in an area with low to moderate flood risk, it’s crucial to understand what is covered and not covered so you can make an educated decision on obtaining flood insurance protection.

Working with a trusted insurance advisor can help you navigate the complexities of flood insurance. They can review your insurance portfolio and provide counsel on adding flood coverage.

Original reporting: Johnson County Post (Overland Park) — read the source article.