Is Water Damage Covered Under My Homeowners Insurance Policy?

Damage from water may be covered under a standard homeowners insurance policy.  Damage from water and damage from flooding are commonly separate within a homeowners insurance policy, with flood damage being a common exclusion.  Flood damage coverage typically requires a separate election.

FEMA defines flooding as: “A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (one of which is the policyholder’s) from:

The way the damage is described to your insurance company is important to your overall claim and the length of time it will take to achieve full coverage.  Best believe the insurance company wants to immediately obtain a recorded statement to lock in “flood” damage, as opposed to “water” damage.  In other words, if you attempt to handle your claim without an attorney you may fall into a common insurance trap where insurance companies attempt to compartmentalize water damage into flood damage in an effort to undervalue, delay and deny a claim. 

In regard to hurricane Ian, your water damage could be from storm driven rain or wind driven rain and not flooding.  If your water damage is in fact not flood damage, then you may need an attorney to maximize the value of your claim.  If you water damage is in fact flood damage, then you may want to contact  FEMA  for assistance with damages. 

 
If you need help determining whether your water damage is covered under an insurance policy, please call Quattrochi, Torres and Taormina for a free consultation  

By nasser July 15, 2025
Discover the top causes of motorcycle accidents and learn essential safety tips to protect yourself on the road. Stay informed and ride safely with our expert advice!
By nasser July 14, 2025
Navigating a personal injury claim can be overwhelming, but our comprehensive guide breaks down the essential steps and what to expect, ensuring you're prepared for the journey ahead. Discover how to protect your rights and secure the compensation you deserve!
By nasser July 11, 2025
Unsure whether to hire a personal injury attorney or settle your case on your own? Discover the key factors to consider and make an informed decision that could impact your recovery and compensation.
By nasser July 10, 2025
Learn the essential steps to take immediately after a car accident in Orlando to ensure your safety, protect your rights, and navigate the aftermath effectively. This comprehensive guide will help you manage the situation with confidence.
By nasser July 9, 2025
Discover the essential insights into pain and suffering in personal injury cases, including how it's evaluated and the factors that influence compensation. Empower yourself with knowledge to strengthen your claim and advocate for your rights.
By nasser July 8, 2025
Discover the key factors that influence personal injury settlements and learn how to effectively calculate your potential compensation. Empower yourself with the knowledge needed to navigate your personal injury case confidently.
By nasser July 7, 2025
Avoid costly mistakes in your personal injury claim! Discover the five common pitfalls that could jeopardize your chances of fair compensation and learn how to protect your rights effectively.
By nasser July 7, 2025
Unlock your entrepreneurial dreams in Florida! Discover how immigrant entrepreneurs can leverage E-2 visas to start successful businesses and thrive in one of the world's largest markets.
By nasser July 7, 2025
Discover the key differences between mediation and litigation in construction lien disputes to make an informed decision that can save you time and money. Learn which approach is best for your situation and achieve a favorable resolution.
By nasser July 7, 2025
Protect your property rights in Central Florida by mastering the essentials of defending against code violation citations. This guide offers practical strategies to help you navigate local regulations and maintain your home’s value.
Show More