Flood loss is absolutely NOT covered on your homeowners insurance. Flood is covered by a separate individual policy which can be written by standard insurance carriers but is run by the National Flood Insurance Program.
Rates are set by the federal government so the individual carriers like Travelers Insurance for example just administer the program.
If you are worried about a flood effecting your home you need to go buy a flood insurance policy.
Watch this video “Is flood covered under homeowners insurance?” for more details:
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This is video #27 of a one hundred insurance video series that The Murray Group is producing to provide insurance consumers with quick, valuable answers to their everyday insurance questions.
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created by Ryan Hanley