Does Home Insurance Cover Flood Damage?

Why Summer Storms Are a Home Insurance Blind Spot
Flash flooding and heavy summer storms cause thousands in water damage every year — but most standard home insurance policies exclude flood damage entirely.

What Standard Home Insurance Actually Covers
Typically: fire, theft, wind, and certain water damage from burst pipes. Flood damage from rising water, storm surge, or heavy rainfall usually requires a separate flood insurance policy.

How to Check Your Coverage
Pull out your policy declarations page and look for "flood exclusion" language — most homeowners are surprised to find it there.

Closing the Gap
A quick review with UPIX can tell you exactly where you stand, and whether adding flood coverage makes sense for your property.

Click the button to get your free home insurance review.