All property insurance policies (Personal and Commercial) exclude damage due to flood. In the wake of Hurricane Katrina, all will agree that opinions vary as to the proper way to adjudicate a claim involving both wind and surface water damage. To further complicate matters, sewers can back up (separate coverage) for many reasons not exclusive to floodwater. The bottom line is that if the water touches the ground before damaging the structure, it is "Flood Water" and a separate Flood Policy is required to cover such damage. Your specific quotation will illustrate all deductible options.

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Important Note: This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements.