Does Homeowners Insurance Cover Flooding?

No one wants to experience a flood in their basement. From mopping up water to finishing your basement again and checking for mold, a flooded home can cause a massive headache. When flooding does strike, one of the first things that most homeowners do is pick up the phone to call their insurance company. But will your homeowners insurance cover the damage caused by flooding?

Unfortunately, unless otherwise stated in your policy terms, your insurance probably doesn’t cover damage from flooding. This can be a massive shock, as the damage from a flood can quickly total tens of thousands of dollars.

If you live near a creek or in a high-risk flooding zone, you might want to purchase an additional flood insurance policy. Flood insurance is sold through the Federal Emergency Management Agency’s (FEMA) National Flood Insurance Program. Though FEMA backs and underwrites flood insurance policies, you must purchase the actual insurance protection through your homeowners insurance company.

The amount that you’ll pay for flood insurance will depend on your risk level. The closer you live to a body of water that’s likely to overflow, the more you’ll pay each year in flood insurance. FEMA sets local rates for flood insurance, not your insurance company — so any discounts you’ve negotiated likely won’t apply to your flooding protection.

Like any other type of insurance, you’ll pay a separate monthly premium for flood insurance. This premium keeps your coverage current, and it’s due every month alongside your homeowners insurance premium. Flood insurance policies are considered by insurance companies to be independent of your homeowners insurance — meaning that they also come with their own deductible, which you’ll need to meet before your insurance will offer you a payout.

One way that you can limit what you’ll pay after a flood is by seeking waterproofing services for your basement from a company like Rightway Waterproofing. Rightway Waterproofing has been waterproofing basements in the Delaware Valley for more than 20 years — and we know firsthand just how big of a difference waterproofing can make after a flood. To learn more or to get started, give us a call today! 

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Hear What Our Customers Are Saying!

John and Barbara Vicich

“We wanted to thank you for your personal and specialized attention to the water problem we had in our basement. You took the time to inspect the whole situation and gave us recommendations, all of which worked. You had a way of explaining the process and materials that would be used in a way that we understood. We are very pleased with the work that was done and would highly recommend your company to anyone.”

-John and Barbara Vicich

Debbie, Berwyn

“The day after Hurricane Irene, all of my neighbors basements were filled with water, while mine remained dry! It is wonderful, everything remains dry and the battery backup worked beautifully when my power was out for 2 days. Dry AND quiet, thank you, thank you! Thanks! Debbie, Berwyn”

-Debbie, Berwyn

Doug Smith, Glenside

“All I have to say is that Hurricane Irene was no match for the job that Rightway did for my basement and my father-in-law’s. I had my basement done 5 years ago and we are still bone dry and my father-inlaw’s was done last year and another dry basement… Great job! I highly recommend them for waterproofing and mold remediation.”

-Doug Smith, Glenside


“I’d highly recommend these guys for your basement. My basement has been dry since they installed a sump pump and French drain in June. They offer a competitive price, they get the job done quickly and they stand by their work. Please mention my name if you proceed down the road with these guys.”


Angelo and Sandra Patiri

“We had our basement waterproofed with Rightway Waterproofing in 2007, after all this time and just getting through Hurricane Irene, we did not get a drop of water in our basement. Rightway Waterproofing did a very good job and we are very satisfied!”

-Angelo and Sandra Patiri