Does Insurance Cover Water Damage From Rain. Malfunctioning appliances like water heaters dishwashers or washing machines flooding your house. Flood insurance covers only flood damage and not water damage.
That said if you have flood insurance it covers unfinished basements. But homeowners insurance wont cover rain damage in instances like a heavy rainstorm that causes your property to build up water and seep through your homes foundation. Comprehensive coverage can pay for damage caused by floods and other natural disasters but your car insurance company may also deny claims for certain types of water damage like if you forgot to roll up your windows during a rainstorm.
Thats because the line between flood and water damage is a gray area.
Flood Water Damage Your homeowners insurance will typically not cover rising water in your basement from floods by heavy rain severe storms or surge. If the mold is the result of damage caused by a covered peril such as a. A standard homeowners insurance policy will cover water damage from rain as long as the storm had opened up a hole in the roof causing the water to leak in. That said if you have flood insurance it covers unfinished basements.
