Handyman Insurance, Flooding
Question: Does Home-owners insurance cover flooding?
Answer: Your typical home-owners insurance policy does not cover flood damage. This is one of the biggest consumer misconceptions with regards to home-owners insurance, and a painful, costly lesson to learn by experience.
In order to be covered for flood, you need to purchase a separate flood insurance policy to be covered. Also your policy must be in place for at least 30 days to be in effect, so a last-minute purchase of flood insurance when you hear about flooding potential would be too late.