Is Flood Damage Covered by Regular Home Insurance?

Regular home insurance often covers water damage from sudden internal events, like a burst pipe or an overflowing bathtub. That kind of damage is usually listed under your policy's named perils. The key difference is where the water comes from.

Flooding from outside, such as a river overflowing or heavy rain pooling on the ground, is generally not included. The distinction matters because water entering from the ground up is treated differently than water from inside your home. Check your policy for the exact wording.

A separate flood policy often covers damage to your home's structure and your belongings. That can include the building's foundation, walls, and electrical systems. Personal items like furniture and clothing may also be covered, up to policy limits.

Flood policies usually have their own deductibles and limits. The cost depends on your home's location, elevation, and the coverage amount you choose. Policies vary, and your insurer decides what is covered.

After a flood, drying out your home properly is critical to prevent mold and structural issues. Local water damage pros understand the area's building styles and climate. In Columbus, the humid continental climate means moisture can linger, so thorough drying is important.

A water damage inspection can help you see the full scope of the problem. The pros can assess what is salvageable and what needs to be removed. That information helps you decide your next steps, whether you file a claim or handle repairs yourself.

• Remove standing water with a pump or wet vacuum
• Open windows and use fans to increase airflow
• Discard porous items like carpets and drywall that soaked up water
• Dry wood and metal surfaces slowly to avoid warping
• Watch for mold growth within a few days
• Keep receipts for any emergency supplies you buy