A common theme we see in claims from customers is a misunderstanding of what a qualifying flood event is. We understand the confusion; when a customer sees water, they probably think, “FLOOD!” right away. A key difference is where that water is coming from. Generally speaking, a qualifying flood event is what we call “ground up” rising water.
Here are some events that typically fall into either homeowners or flood policy:
|Storm surge pushes water into your home||Flood|
|Flash flood washes out your foundation||Flood|
|Hot water heater leaks||Homeowners|
|River overflows into your home||Flood|