Question
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?
Answer
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.
Insurance is complicated, but it doesn't have to be.
The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.
Step 1: Tell us a little about yourself
Choose an insurance product and enter your zip code to get started.
Step 2: Sip your coffee while we find the best quotes
Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.
Step 3: Compare your quotes
Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.
Step 4: Let our agents do the hard work for you
Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.
