Direct answer
No, because standard home insurance policies typically exclude basement flooding unless a specific ‘Add-on Cover’ for flood and inundation has been purchased separately.
Standard Indian home insurance policy exclusion clauses and add-on definitions. For additional information about standard policy coverage and exclusions, see the Insurance Regulatory and Development Authority of India (IRDAI)‘s official guidelines for policyholders.
What this means for you
No, because standard home insurance policies typically exclude basement flooding unless a specific ‘Add-on Cover’ for flood and inundation has been purchased separately.
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