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Home insurance may not cover floods tied to weather events
The report says typical home policies cover basement flooding from sources like burst pipes or accidental overflows, but generally not flooding from natural disasters or weather.
Clearsurance.com examined how standard home insurance and flood insurance differ, focusing on what happens when a basement floods.
The report says standard home insurance typically covers basement flooding caused by home-based problems such as burst pipes from freezing cold, flooded bathtubs, or other internal failures.
It also notes that flooding linked to natural disasters or weather events is generally not covered by standard home insurance, with coverage instead reserved for flood insurance.
The report adds that some appliance-related leaks can be covered, such as flooding from a dishwasher connection failure when the issue is due to factors other than poor maintenance.