Collapse or subsidence of land and the insured house, along a shore of a body of water caused by waves or currents of water are considered a flood and are covered by this policy.
90% of all natural disasters have some form of flooding.
Overflows from sewer systems or sump pumps are not considered a flood unless a flood has caused the backup and overflow.
There is a low-cost policy for homes in moderate-to-lower risk areas, and for much less than you might expect. The quick processing of these lower risk/low cost policies is the purpose of this website, so lets get started. Click here to get a quote.
Flood damage is not typically covered by a homeowners insurance policy.