When flood insurance is mentioned, most people envision torrential rain, hurricanes, or overflowing rivers. While these are indeed common causes of flooding, they’re not the only ones. At AlphaSure Affordable Insurance Services, serving the greater San Antonio, TX community, we often field questions about whether flood insurance covers more than just weather-related events. It’s a topic worth exploring.
What Qualifies as a Flood?
It’s important to understand how insurance defines a flood. Generally, a flood is considered the overflow of water onto normally dry land. This can result from heavy rain, storm surges, or melting snow, as well as incidents such as broken levees or blocked storm drains. If the water affects two or more properties, or a large portion of your property, it may qualify as a flood under your policy.
What’s Not Covered
However, not all water damage is treated equally. If a pipe bursts inside your home or your washing machine overflows, that typically falls under your standard homeowners insurance, not flood insurance. The same applies to gradual water seepage through a foundation or basement walls. Flood insurance is specifically designed for large-scale, external flooding events.
Why It’s Important
Understanding what your flood policy covers, and what it doesn’t, can make a significant difference when disaster strikes. The last thing you want when dealing with water damage is to be caught off guard by an uncovered claim.
At AlphaSure Affordable Insurance Services, serving the areas in and around San Antonio, TX, we’re here to help you understand your flood insurance coverage. If you have questions or would like to ensure your policy meets your needs, please don’t hesitate to reach out. We’re here to assist you, come rain or shine.