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

Neil Richardson

Jun 27, 2017

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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