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Featured Daniel Carinci Agency, LLC Blog

Why Doesn’t Standard Home Insurance Cover Floods?

Home insurance covers many things. It’s important to read every policy, however, as not everything is covered, and there can be variations from policy to policy. Further, some things, including floods, are commonly excluded from standard home insurance plans. Let’s take a closer look at why flood damage is typically excluded from home insurance policies. If you’re looking for an insurance agent who serves Pittsburgh, PA, and other communities nearby, contact Daniel Carinici Agency LLC.

A Closer Look at Why Flood Damage is Often Not Covered

Few things can cause as much damage as a flood when it comes to destructive power. While a tornado might damage an entire neighborhood, floods can cause massive damage to large communities and beyond. Floods can strike in many places, and homes in low-lying areas face increased risks.

Floods are also very unpredictable. A flood might strike a town this year, but then that town may not see another serious flooding event for decades. It is all but impossible to predict when a flood will strike and how much damage might be caused.

This is crucial because such unpredictability, combined with the scale and scope of flood damage, makes it difficult to calculate insurance premiums. As a result, premiums would have to be sky-high to cover flood damage under a standard insurance plan. Instead, separate policies are offered, including through the National Flood Insurance Program.

Home insurance policies may cover some types of water damage. For example, if a pipe inside your home bursts, it may be covered. That said, speaking with an insurance agent is crucial to verify what is and is not covered by a specific policy. Do you have questions about flood insurance or other policies and want to speak to an insurance agency that serves Pittsburgh, PA, and other nearby communities? Contact Daniel Carinici Agency LLC.

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