Direct answer
It depends on whether your policy specifically includes a ‘flood’ or ‘inundation’ add-on, as standard base policies often exclude damage from natural water accumulation.
Review your policy document’s ‘Exclusions’ and ‘Add-on Covers’ sections to verify your specific coverage terms. For additional information about insurance policy standards and consumer guidelines, see the Insurance Regulatory and Development Authority of India‘s official website.
What this means for you
It depends on whether your policy specifically includes a ‘flood’ or ‘inundation’ add-on, as standard base policies often exclude damage from natural water accumulation.
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