{"id":141,"date":"2022-06-20T04:00:00","date_gmt":"2022-06-20T10:00:00","guid":{"rendered":"https:\/\/www.alpha-insure.com\/blog\/?p=141"},"modified":"2022-06-20T08:22:28","modified_gmt":"2022-06-20T14:22:28","slug":"will-my-homeowners-insurance-cover-flooding","status":"publish","type":"post","link":"https:\/\/www.alpha-insure.com\/blog\/will-my-homeowners-insurance-cover-flooding\/","title":{"rendered":"Will My Homeowner\u2019s Insurance Cover Flooding?"},"content":{"rendered":"<p><span style=\"color:#000000\">Homeowner&rsquo;s insurance usually doesn&rsquo;t cover flooding. However, you may have other types of insurance that insure flooding. Ask your insurance agent or look up your policy online to see what coverage you have. Consult with AlphaSure Affordable Insurance Services in San Antonio, TX for expert advice.&nbsp;<\/span><\/p>\n<h2><span style=\"color:#000000\">What to Know About Homeowner&rsquo;s Insurance and Flooding<\/span><\/h2>\n<p><span style=\"color:#000000\">Homeowner&rsquo;s insurance policies vary, but most will cover some level of flooding. If your home is worth less than a certain amount, then you would most likely be covered up to that amount. Homeowner&#8217;s&nbsp;insurance only covers loss, not damage.&nbsp;<\/span><\/p>\n<p><span style=\"color:#000000\">Homeowner&rsquo;s insurance may not cover home damage caused by flooding. Some homeowner&rsquo;s policies may cover flood damage, but the amount can be limited. If you&rsquo;re in this situation and want to learn more about the coverage options available to you, contact the insurance agent that you used to purchase your policy.&nbsp;<\/span><\/p>\n<p><span style=\"color:#000000\">It is always a good idea to contact your homeowner&rsquo;s insurance company to find out if they offer any coverage for flooding and to get a comprehensive policy overview. You can also get a different flood insurance policy.&nbsp;<\/span><\/p>\n<p><span style=\"color:#000000\">Homeowner&rsquo;s insurance policies vary widely, so it&rsquo;s important to do your research and shop around to find the policy that best suits your needs. In general, most homeowners&#8217;&nbsp;policies won&rsquo;t cover flood damage if it was caused by the following factors.&nbsp;<\/span><\/p>\n<ul>\n<li><span style=\"color:#000000\">An overflowing sewer or drain line<\/span><\/li>\n<li><span style=\"color:#000000\">Heavy rain<\/span><\/li>\n<li><span style=\"color:#000000\">A pipe that bursts<\/span><\/li>\n<li><span style=\"color:#000000\">An overflowing water heater<\/span><\/li>\n<li><span style=\"color:#000000\">An overflowing water cooler<\/span><\/li>\n<li><span style=\"color:#000000\">An overflowing swimming pool<\/span><\/li>\n<li><span style=\"color:#000000\">A pipe that bursts due to freezing temperatures<\/span><\/li>\n<li><span style=\"color:#000000\">A pipe that bursts due to high pressure<\/span><\/li>\n<li><span style=\"color:#000000\">An explosion<\/span><\/li>\n<li><span style=\"color:#000000\">A lightning strike.<\/span><\/li>\n<\/ul>\n<h3><span style=\"color:#000000\">Contact Us Today<\/span><\/h3>\n<p><span style=\"color:#000000\">If you live in a flood zone, you must purchase flood insurance, which is sold and administered by the federal government through FEMA. Flood insurance is available for buildings but not contents. For any insurance-related queries in the greater San Antonio, TX community, call us today at AlphaSure Affordable Insurance Services. <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Homeowner&rsquo;s insurance usually doesn&rsquo;t cover flooding. However, you may have other types of insurance that insure flooding. Ask your insurance agent or look up your policy online to see what coverage you have. Consult with AlphaSure Affordable Insurance Services in San Antonio, TX for expert advice.&nbsp; What to Know About Homeowner&rsquo;s Insurance and Flooding Homeowner&rsquo;s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[25,24],"class_list":["post-141","post","type-post","status-publish","format-standard","hentry","category-flood-insurance","tag-alphasure-affordable-insurance-services","tag-san-antonio-tx"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.alpha-insure.com\/blog\/wp-json\/wp\/v2\/posts\/141","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.alpha-insure.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.alpha-insure.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.alpha-insure.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.alpha-insure.com\/blog\/wp-json\/wp\/v2\/comments?post=141"}],"version-history":[{"count":1,"href":"https:\/\/www.alpha-insure.com\/blog\/wp-json\/wp\/v2\/posts\/141\/revisions"}],"predecessor-version":[{"id":142,"href":"https:\/\/www.alpha-insure.com\/blog\/wp-json\/wp\/v2\/posts\/141\/revisions\/142"}],"wp:attachment":[{"href":"https:\/\/www.alpha-insure.com\/blog\/wp-json\/wp\/v2\/media?parent=141"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.alpha-insure.com\/blog\/wp-json\/wp\/v2\/categories?post=141"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.alpha-insure.com\/blog\/wp-json\/wp\/v2\/tags?post=141"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}