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flood insurance exclusion

What Does Flood Insurance Not Include?

Having flood insurance is a great way to help protect your home and your belongings. Although this is a popular type of coverage, it may not be apparent as to what is typically not covered. Knowing the exclusions of of your policy can help you prepare for future incidents.  These are some popular flood insurance exclusions.


Damage from Moisture

Mold, mildew, or moisture damage that the homeowner could have addressed is typically not covered under your flood  policy. If you are a homeowner, be mindful of this and take care of moisture issues before they get out of hand.


Certain Valuables

Flood insurance may not cover certain valuables. This could include: currency, some precious metals, and paper valuables. If you have valuables in your home, take care to protect them. You can talk to your insurance agent about the best way to help protect your valuables.


Your Outdoor Property

For the things that are outside of the main structure of your home (and garage) is typically excluded from flood insurance coverage. These could include any landscaping, plants, walkways wells fences, decks, etc.



If you have a pool in your yard, this is usually not covered if it sustains damage from flooding.


Living Expenses

If you are displaced from your home, this coverage does not usually cover the costs associated with temporary relocation



While your flood insurance may not cover your cars or other vehicles, your auto insurance may help with damages. Ask your insurance agent about comprehensive auto coverage and how it may be beneficial to you.


Flooding from Plumbing

Flood insurance won’t cover flooding that originates in your home. This includes flooding from plumbing, sewage backups, or broken pipes. If possible, you should address these concerns before they turn into bigger problems!


Other Things to Consider

There are plenty of questions to consider as you think about flood insurance. Some of these include:

  • Coverage for basements and crawl spaces. Sometimes, these spaces have some or limited coverage. Other times, they may not have any. Talk to your agent about your specific policy and what it entails.
  • Private vs National Flood Insurance Coverage. Depending on where you live and the offerings in your area, you may have the option to get private or national flood insurance. Talk to your agent about the differences in coverage and how those may affect you. Learn more about the National Flood Insurance Program here.
  • Coverage limits. The limits of your coverage depend on whether you have a private or national insurance policy. Regardless, knowing the limits of your coverage is essential. You want to have enough coverage to help protect you in the event of flooding.


Being informed about your flood coverage is important in helping to protect your home. If you have any questions, talk to your agent. They can help you address any concerns or questions you may have. No matter the season or the area you live, flooding is always a potential threat.


Call an Encharter agent today to discuss flood insurance. Reach us at 888.754.8299!

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