Is Flood Damage Covered Under Homeowners Insurance?

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   One word - No. Damage caused by Flood is a specific and extremely common if not universal exclusion in Homeowners policies. Though it may be possible to endorse your policy to cover damage caused by a failure of a drainage system, there is no endorsement for flood. That protection is only available by purchasing a Flood Insurance policy

   Answered on September 18, 2014

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