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:
Event | Which Policy? |
Pipe bursts | Homeowners |
Storm surge pushes water into your home | Flood |
Toilet overflows | Homeowners |
Flash flood washes out your foundation | Flood |
Hot water heater leaks | Homeowners |
River overflows into your home | Flood |