Understanding Why Floods Are Excluded from Typical Homeowners Insurance Policies

Floods are one of the most devastating natural disasters that can occur, causing widespread damage to homes and properties. However, many homeowners are surprised to learn that floods are often excluded from their typical homeowners insurance policies. In this blog post, we will explore why floods are excluded from typical homeowners insurance policies and what steps homeowners can take to protect themselves from flood damage.

Why are floods excluded from typical homeowners insurance policies?

There are several reasons why floods are excluded from typical homeowners insurance policies. First and foremost, floods are considered high-risk events that can cause extensive damage. Unlike other natural disasters such as fire or wind damage, floods can impact entire communities, causing widespread destruction and resulting in a high number of insurance claims. As a result, floods are costly for insurance companies to cover, which is why they often require separate flood insurance policies.

Another reason why floods are excluded from typical homeowners insurance policies is that they are not considered a typical occurrence. While fires, windstorms, and other types of damage are relatively common, floods are less frequent and more unpredictable. This makes it difficult for insurance companies to accurately assess the risk of floods and price their policies accordingly.

Finally, many homeowners insurance policies exclude floods because they are often caused by man-made factors such as poor land use planning, inadequate drainage systems, or urbanization. These factors are outside of the control of individual homeowners, making it challenging for insurance companies to attribute liability and determine who should be responsible for paying for flood damage.

What can homeowners do to protect themselves from flood damage?

While floods may not be covered under typical homeowners insurance policies, homeowners can take proactive steps to protect themselves from flood damage. The most important thing that homeowners can do is to purchase a separate flood insurance policy. Flood insurance policies are available through the National Flood Insurance Program (NFIP) and private insurance companies. These policies are designed to cover damage caused by flooding, including damage to the structure of the home, personal property, and belongings. Find out more from acepublicadjusters.com

In addition to purchasing flood insurance, homeowners can also take steps to prepare for a flood. This includes creating an emergency kit with essential supplies such as water, food, and medication, as well as developing an evacuation plan in case of a flood. Homeowners should also take steps to protect their property by elevating electrical systems, HVAC systems, and appliances above the expected flood level, and sealing basement walls with waterproofing compounds.

What legal options do homeowners have if they experience flood damage?

If homeowners experience flood damage and their insurance policy does not cover the damage, they may be able to seek legal assistance. Homeowners may be able to file a claim against the government, such as a city or state, if the flood was caused by negligent land use planning or inadequate drainage systems. Homeowners may also be able to file a claim against a private company, such as a construction company or developer, if the flood was caused by their negligence.

It is essential for homeowners to seek assistance from acepublicadjusters.com as soon as possible if they experience flood damage. A qualified attorney can help homeowners navigate the complex legal process and ensure that they receive the compensation they deserve.


In conclusion, floods are excluded from typical homeowners insurance policies because they are considered high-risk events that can cause extensive damage. Homeowners can protect themselves from flood damage by purchasing a separate flood insurance policy, preparing for a flood, and seeking legal assistance if necessary. Understanding the limitations of homeowners insurance policies and taking proactive steps can help homeowners protect themselves from the devastating effects of flooding.

Everyone’s responsibility at American Claims Ensurance is to take care of you, the homeowner or business owner. Dealing with the insurance company can be a time consuming, complicated and stressful process, and that is when an experienced and trusted American Ensurance public adjuster is needed.

Give American Claims Ensurance a call at 800-204-2463 or go to acepublicadjusters.com to find out how we can help you.

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