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Is basement flooding typically covered by a flood insurance policy?

In most cases
In some cases
Not sure
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Question: Is basement flooding typically covered by a flood insurance policy?
Top Answer (41% of 29 votes): In some cases.

Answer: Yes
Explanation: Yes always
Belocura Cabinetry
Answer: In some cases
Explanation: we have solutions for this, however
BCU Risk Advisors
Answer: Not sure
Explanation: We don't have basements in our market in South Florida
Certified Inspectors, LLC
Answer: In some cases
Explanation: It depends on the source of the flooding. If it was from outside and impacted more than one property, it may be covered.
Frank Insurance Group
Answer: In some cases
Explanation: It all depends on what coverage you buy.
Independent Insurance Agent
Answer: In most cases
Explanation: Generally, if you purchased Building Coverage, the flood policy will pay for flood-related cleanup, for damage to the furnace, water heater, water softener, electrical and damaged foundation elements. The flood policy will pay to replace unfinished drywall; the flood policy will NOT pay for any finishes, paneling, doors, millwork, wallpaper, painted surfaces, carpet nor for any finishes in the basement. Generally, if you purchased Personal Property Coverage, the flood policy will only pay for flood damage to clothes washer, clothes dryer, freezer (but not for a refrigerator nor refrigerator/freezer combination) and the food in the freezer.
State Farm Insurance
Answer: In some cases
Explanation: Will be covered but only if it's under a Sump pump endorsement, which are generally an optional coverage.
Answer: In some cases
Explanation: The definition of a flood is if a body of water, like a lake or ocean, overflows and damages at least two or more homes. Flood insurance covers that. But if a pipe bursts, or a sink or tub overflows in your home and damages your walls and floors, then your homeowners policy should have an endorsement for water damage or sewer backup. BUT, if it's determined that rain water came in through a crack in the roof or window that had been neglected to repair in several years, the insurance company will not cover that.
Lockhart's Insurance Services
Answer: No
Explanation: A flood policy will cover any necessary structural repairs needed but will not cover contents or improvements (Boilers, water heaters, finished walls, etc.)
G.L. Anderson Insurance Services, Inc
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Related Questions

My house has flooded in the past. Can I still purchase flood insurance? Top answer: Yes

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Does flood insurance typically cover earthquake-related flooding?Top answer: No

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