Floods can cause significant damage to homes, but not all water-related incidents are considered “floods” by insurance companies. Understanding the definition of a flood is crucial for homeowners seeking coverage for water damage. Here’s what is typically considered a flood for an approved home insurance claim.
Definition of a Flood in Insurance Terms
In insurance terms, a flood is generally defined as water damage caused by an overflow of water onto normally dry land. This includes:
- Rising Water from Natural Sources: Overflow from rivers, lakes, or oceans due to heavy rain, hurricanes, or snowmelt.
- Flash Flooding: Sudden, rapid flooding due to intense rainfall or dam breaks.
- Mudflows: Rivers of liquid mud triggered by heavy rain on bare or saturated land.
Importantly, standard homeowners insurance does not cover flood damage. Homeowners need separate flood insurance policies provided by the National Flood Insurance Program (NFIP) or private insurers.
What Is Not Considered a Flood?
Certain water-related incidents are not considered floods and are usually covered by standard homeowners insurance:
- Plumbing Issues: Burst pipes, leaking water heaters, or broken appliances.
- Roof Leaks: Water damage from rain entering due to roof damage.
- Sewer Backup: Overflow from clogged or damaged sewage lines (covered only if additional sewer backup coverage is purchased).
- Groundwater Seepage: Water entering the basement through walls or floors is generally not covered.
Requirements for an Approved Flood Claim
For a flood claim to be approved, the following conditions typically apply:
- Area of Impact: The flood must affect two or more properties or cover at least two acres of normally dry land.
- Sudden and Accidental: The flooding must be sudden and not due to gradual accumulation.
- Policy in Effect: The homeowner must have an active flood insurance policy in place, usually with a 30-day waiting period before it takes effect.
How to File a Flood Insurance Claim
If your property suffers flood damage:
- Document the Damage: Take photos and videos of all affected areas and possessions.
- Contact Your Insurance Provider: Notify them immediately and provide evidence of the damage.
- Submit a Proof of Loss: Complete and submit this form within 60 days of the flood event.
Conclusion
A flood, in insurance terms, is water damage from overflowing natural sources that affect multiple properties or large areas. Standard homeowners insurance does not cover flood damage, so separate flood insurance is needed. Knowing the definition and requirements for a flood claim can help homeowners protect their property and navigate the claims process more efficiently.