There are a lot of questions out there about what is and what is not covered by homeowners insurance. At Wine Valley Insurance Services, serving the greater Napa, CA area, we want to answer as many of these questions as we possibly can. Flooding is one of the most misunderstood aspects of home insurance. If your home was flooded with your sprinklers, you might wonder if this type of flooding is covered by your flood insurance or your homeowner’s insurance. Here is the answer.
Your Home and Floods
Flooding that is caused by things such as pipes in your home and sprinklers outside of your home is typically covered by your homeowner’s insurance policy. As such, if a sprinkler head breaks and water floods into the siding of your house or your sprinklers run too long and flood your basement, homeowners insurance would cover the damage done by the sprinkler.
Flood insurance typically covers flooding that occurs as the result of a storm, such as heavy rains and hurricanes. As such, if a hurricane caused your sprinklers to become damaged, and in turn, that leads to the flooding in your home or the flooding that caused the damage to the exterior of your home, this would be covered by your supplemental flood insurance, rather than homeowners insurance. If you do not have a supplemental flood policy, you would be responsible for the damage to your home.
When you are looking to purchase homeowners insurance in the greater Napa, CA region, let Wine Valley Insurance Services assist you. We would be happy to answer any questions you may have and work to find you the right insurance policy for your needs. Contact us today to get started.