Direct answer
No, standard home insurance policies typically exclude flood damage, which requires a separate policy through the National Flood Insurance Program or a private insurer.
Standard policy language definitions regarding water damage and exclusions from national insurance regulatory bodies. For additional information about how standard policies treat water-related perils, see the National Association of Insurance Commissioners‘ overview of property insurance.
What this means for you
No, standard home insurance policies typically exclude flood damage, which requires a separate policy through the National Flood Insurance Program or a private insurer.
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