How Do I Know if I Need Water Damage or Flood Insurance for My Mission Valley Home?

6/7/2022 (Permalink)

We are trusted leaders in water damage restoration services in San Diego.

Do you know if you need flood insurance? If you live in Mission Valley, you may live in an area that floods from time to time. Our local team in Mission Valley has been restoring water damage for many years. Here is some helpful information from the Insurance Information Institute (III) about water damage insurance:

Water Damage Insurance

According to the Insurance Information Institute, different types of water damage are insured by different policies. It will be important to review your standard homeowner’s policy to determine any additional coverage you may need. For instance, some policies cover sewer and drain backups, but many do not. In these cases, you can purchase a sewer backup rider for your homeowners or renters coverage.

Burst pipes and wind-driven rain are generally covered by homeowners and renters insurance policies. Basically, any water that comes from the top down, like rain or a burst sprinkler, is covered by a standard homeowners policy.

Flood Insurance

Typically, water that comes from the bottom up, like flooding from an overflowing river, will be covered by a separate flood insurance policy and can be purchased from the federal government’s National Flood Insurance Program (NFIP) and some private insurers. If you live in a flood-prone area, learn more about appropriate coverage.

Call Us!

When your Mission Valley home or business has water or flooding damage, our local team in Mission Valley East is Here to Help. ® Call us today at 619-303-3599.

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