A: No, damage from floods are not covered on your homeowners insurance policy, instead, a flood insurance policy would cover flooding.
It is important to recognize the difference between a flood insurance policy and water back up coverage on your homeowners insurance policy. Water back up coverage does not cover home floods if the water pours in through windows, doors or walls; instead, it covers the backflow of water or sewage through drains.
Consider the following two options:
Example 1: The sump pump in your home has stopped working and water is coming in through your floor drain and causes damage. This damage would be covered under the water back up coverage on your homeowners insurance policy.
Example 2: Water is pouring in through your basement windows and causes damage; this damage would require you to carry a flood insurance policy as it is not covered by water backup coverage. Typically, the vast majority of flood insurance policyholders are homeowners in flood zones, as designated by FEMA.