Your Homeowners Insurance: Does It Cover Flooding?

No... it does not. Flood insurance is easily confused with a common homeowners policy rider called water back up coverage. Here is the difference: Flood insurance covers against the peril of water entering your house through the walls or through the floor. Water back up on the other hand is water backing up from a sewer or drain, or the result of a sump pump failure. Water is water right? It does the same thing to your basement or first floor right? Makes a huge mess and leaves undesirable results either way right? Thats' right but it is a distinction your insurance company makes when paying or NOT paying for a claim. Maybe a call to your agent is in order for a separate flood policy.