Direct answer
No, standard homeowners insurance policies typically exclude damage caused by flooding, such as overflow of inland or tidal waters, and require a separate flood insurance policy for protection.
National Association of Insurance Commissioners (NAIC) guidelines regarding standard peril exclusions.
What this means for you
No, standard homeowners insurance policies typically exclude damage caused by flooding, such as overflow of inland or tidal waters, and require a separate flood insurance policy for protection.
FARMER STOCKMAN
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