Direct answer
No, standard homeowners insurance policies almost universally exclude damage caused by external flooding, which requires a separate policy through the National Flood Insurance Program or a private insurer.
Exclusion clauses found in standard residential property insurance contracts regarding surface water and earth movement. For additional information about policy exclusions, see the Insurance Information Institute‘s guide on residential property coverage.
What this means for you
No, standard homeowners insurance policies almost universally exclude damage caused by external flooding, which requires a separate policy through the National Flood Insurance Program or a private insurer.
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