During the last several years the subject of flood insurance has become somewhat controversial. The gist of the controversy revolves around homeowners believing that they have protection against flooding when, in fact, they do not. The aftermath of hurricane Katrina truly brought this subject to the fore as many hundreds of homeowners attempted to file claims and were subsequently denied because they did not have flood insurance. Hurricane Katrina is just one of the many natural disasters that have occurred, causing thousands of homeowners to lose their homes due to flooding. Knowing, for certain, whether or not your home is insured against flooding should be a priority for all homeowners.
Homeowners should understand that there is a huge difference between water damage and flooding that is caused by nature. Water damages, such as happens when a water pipe breaks and flood the floor, are usually covered in a homeowner’s policy. This type of damage is often listed in the policy.
Flooding that is caused by high water from external forces is often not spelled out in a policy. If it is not specifically stated in the policy that you are protected against such...
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