Does Home Insurance Cover Flooding or Water Damage?

In Texas, where severe storms and flash floods are not uncommon, many homeowners may wonder if their standard home insurance policy also includes flood insurance.

Our team at Lakewood Insurance is here to help you navigate these important distinctions and make sure you have the right coverage for your needs.

Does Home Insurance Cover Flooding?

Standard home insurance policies do not typically cover flood damage. Flooding, which can be defined as water entering your home from outside, such as due to heavy rain, overflowing rivers or storm surge, may require a separate flood insurance policy.

Without flood insurance, you may be responsible for all repair and replacement costs after a flood event. Common water damage exclusions include:

• Flooding from natural disasters or rising water
• Sewer or drain backups (unless you have added coverage)
• Long-term leaks or unresolved maintenance issues

What Should I Do?

Don’t panic if you’ve realized that your policy excludes flood and water damage. Here are the things you should do to keep your home covered.

• If you have already experienced damage, report the incident to your insurer.
• Explore your flood insurance options from private insurers or the National Flood Insurance Program (NFIP).
• Consider endorsements for other water damage risks, such as sewer backup coverage.
• Improve your home to prevent further water damage.

How We Help Texas Homeowners

Lakewood Insurance works closely with homeowners in Dallas, TX to review their current policies, explain coverage details, and identify any gaps when it comes to water damage and flood risks. If you have questions about your coverage or want to explore your options, contact our team today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.