Kessler Alair Insurance Services Blog

All You Ever Wanted to Know About Insurance

Coverage for Water Damage - Homeowners vs Flood Policy

Most homeowners insurance policies do not cover flood damage – federal flood insurance does. Flood insurance also covers damage from mud flow, dirt and debris resulting from moving water.

A home in a high-risk flood area has a 26% chance of being damaged by flood during the course of a 30-year mortgage. That same home only has a 9% chance of a fire.

You don’t need to live by water to be at risk. Anywhere it rains, it can flood. Over 20% of all flood claims occur in low- to moderate-risk areas.
Don’t wait for an imminent flood to obtain flood insurance. Most flood policies have a 30-day waiting period before coverage begins.

Flood insurance is available in all 50 states, as long as your community participates in the National Flood Insurance Program and your home is not in a Coastal Barrier Resource System Area.

A homeowners insurance policy provides coverage for many types of water damage including damage from broken pipes, heavy rains and storms, but it usually does not provide coverage for damage from flood.


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