Flood Damage and Your Homeowners Policy
Flood damage and your homeowners policy
Standard home insurance excludes flood — here is what California homeowners should know.
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Most homeowners policies cover sudden water damage from a burst pipe, but rising water from storms, rivers, or overwhelmed drainage is considered flood damage and is excluded.
If you are in a FEMA flood zone — or near waterways in Southern California — your mortgage lender may require flood insurance. Even outside high-risk zones, flood policies can be affordable and valuable.
Pledge Insurance can help you explore NFIP and private flood markets. Do not wait until storm season; many policies have a waiting period before coverage begins.