Flood insurance can help pay for water damage to the structure of your house, ensuring your family can live in it again. In some cases, it may also cover mold removal. However, not all types of water damage are covered. For example, if a burst pipe causes flooding, will flood insurance help?

Strict Regulations

Flood insurance policies have stricter regulations compared to other types of coverage. Typically, incidents like a burst pipe or a flooded basement caused by a backed-up sump pump are considered the homeowner’s responsibility. Flood insurance will not cover the cleanup or repairs for these situations.

Many insurance companies in Idaho Falls, ID, require the damage to be specifically caused by a named storm or flood, such as heavy rainfall. Flood insurance also excludes coverage for flooding caused by earth movement or other types of damage. For instance, if a tree falls on your house during a storm and creates a hole in the roof, leading to water damage, flood insurance may not cover the cleanup costs.

Various Types of Coverage

Homeowners should work with an experienced agent at Insure It All to ensure they have the necessary coverage. Natural disasters often result in multiple claims, each requiring different types of insurance coverage.

For example, wind damage from a storm may be covered under a standard homeowner’s policy or a natural disaster policy that includes tornadoes. Water damage caused by a covered peril, such as a storm or a tree falling on the house, may also be covered under a standard homeowner’s policy. Damage to detached structures, such as sheds and garages, is typically covered under the “other structures” section of your policy.

Collaborating with an agent at Insure It All is essential to ensure you have the right coverage for your needs. Contact us today to learn more. We proudly serve the Idaho Falls, ID, area.