Is Flood Damage Covered by my Homeowners Insurance? What to Know


No one wants to think of anything catastrophic happening to their home. If you’re like most people, your home represents the largest investment of your life. Did you know that the average home value in Texas is over $250,000? You certainly want to protect a large sum of money like this, which is done through homeowners insurance.

It’s not as simple as “it covers anything that happens to your house.” Different policies cover more or less. What does your policy cover? Is flood damage included?

How does Homeowners Insurance Work?

Before we go into whether or not flood damage is covered by your homeowners insurance, it’s helpful to give you a quick breakdown of homeowners insurance in general. The role of homeowners insurance is to help cover the bills and protect you from potentially devastating financial liability in the event of major damage. You pay a little bit each month, known as your premium. When you need to make a claim, like after a house fire, you first pay the deductible. Your homeowners insurance policy covers what is left. 

Let’s say you pay $200 a month for coverage. Often, this is paid at the same time as your mortgage and taxes, so it’s all in one bill. One day, your roof is struck by lightning and it causes a fire. Your deductible is $2,000 and so you pay this out of pocket. Your insurance policy covers the remainder of the damage, another $10,000. Homeowners insurance covers other costs as well, like medical expenses and a hotel room if your family needs a place to stay while the roof is being repaired.

Is Flood Damage Covered?

The quickest answer to this question is, “It depends, but probably not.” Most homeowners insurance policies help cover water damage if the cause is sudden and accidental. This means your insurance may help pay for repairs if your drywall is drenched after an upstairs pipe bursts and water saturates the room below. That being said, flood damage that is the result of a storm would not be covered. Flooding from a nearby lake that overflows would also not be covered. No type of flood damage, no matter the source of the water, is covered by every single standard homeowners policy.

Have Protection from Flood Damaged Through Pronto Insurance

The best way to know for sure your home is protected in the event of a flood, no matter why or how your home floods, is to elect to add on flood damage coverage. It’s a bit more expensive each month, but the peace of mind you get knowing you, your family, your pets, your belongings, and your house itself are all protected is priceless!

We encourage you to get a quote from Pronto Insurance. We’re confident you will see that our Texas homeowners insurance coverage is both affordable and offers you the protection you need.

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