Does Home Insurance cover the expense of living after home damage due to Flood?

Does Home Insurance cover the expense of living after home damage due to Flood?
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1 Answer

Answer :

answer:Regular home insurance does not cover flood from the outside at all. If you flood from your plumbing that is usually covered. If you have water damage from the wind breaking through a window or ripping your roof off and you have windstorm insurance in your policy, then that water damage is covered. If it floods from rising or sitting waters from the ground because of flash flooding or water not being able to drain away from your house fast enough from heavy rains that is very specifically “flood insurance” and is a completely separate policy not covered in your regular home insurance. For details of what your insurance covers you need to ask your particular insurer about your policy. As far as I know my flood insurance doesn’t cover living somewhere else after a flood. I’m pretty sure my homeowners does for after certain events. To be clear, when people refer to flood insurance they specifically are talking about flooding from the outside unless otherwise specified.
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