Direct answer
No, standard homeowners insurance policies typically exclude damage caused by rising water or flooding, requiring a separate flood insurance policy for protection.
Standard policy language definitions from the National Association of Insurance Commissioners. For additional information about flood insurance coverage, see the Federal Emergency Management Agency (FEMA) website.
What this means for you
No, standard homeowners insurance policies typically exclude damage caused by rising water or flooding, requiring a separate flood insurance policy for protection.
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