FAQ - Homeowners : Bureau of Insurance

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Frequently Asked Questions - Homeowners

My home has suffered flood damage as a result of heavy rains causing a nearby body of water to flood the area. Is it covered under my homeowners insurance?

Flood damage or damage caused by rising stream, river or lake levels, or rising ground water typically will only be covered if you purchased flood insurance through the National Flood Insurance Program (NFIP). This type of damage is not covered under a typical homeowners or renters insurance policy. Policyholders should first contact their agent for their homeowners or renters insurance policy to report flood damage. Tips for filing claims are available under the Site Map and then by clicking Floods Happen at www.floodsmart.gov. NFIP coverage information is available for various audiences at http://www.fema.gov/business/nfip .

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