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In a state of emergency, does my insurance company have to help me if I have flood damage but no flood insurance?

A state of emergency had been declared where I live. My basement took on water and other parts of my home were also damaged by water. I don't carry flood insurance. Will my insurance company pay for the damage to my house?

Jun 27, 2017 Midland, MI

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The Zebra

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If your home and basement were damaged by water that wasn't attributed to an actual flood then you will likely be covered by your company. Unfortunately, the declaration of a State of Emergency doesn't mean that your policy applies any differently; especially since flood insurance is provided by FEMA and not a part of your actual homeowners insurance policy. Your best bet is to contact your insurance provider and they can give you the specifics of your policy.

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