Man Sitting on Couch in Flooded Living RoomWater damage is a concern for many Gainesville homeowners. Flooding can spread quickly, wreaking havoc on your home, belongings and bank account. Repairing these damages can be quite expensive and time consuming. But can your home insurance policy protect you from the effects of water damage? The answer depends on the type of flooding you've experienced.

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Interior Sources

Your home insurance policy is likely to provide coverage for water damage that is caused internally, such flooding from a burst pipe or overflowed toilet. But keep in mind that your insurance will not cover you for issues stemming from poor maintenance. The flooding event has to be something that you likely couldn't have prevented. Take some time to review your coverage limits, as your needs may change over time.

Exterior Sources

If a flood is caused by external factors that are relatively common in the Gainesville area — such as a hurricane or a thunderstorm — your home insurance policy is unlikely to cover the resulting damages. In these cases, it's beneficial to have a flood insurance policy, which can often be added on top of your home insurance coverage. A good flood insurance policy helps cover damages to your house and belongings. It might also provide funds for temporary housing, if you must live elsewhere while repairs are being made.

Floods can occur anywhere, making flood insurance an important consideration for any homeowner. But this is especially true for those who live in high-risk areas. Are you at risk? Our agents are happy to assist you with any questions you may have.

We've got you covered. Call Ahrens Insurance Agency at (352) 368-7090 for a free Gainesville, FL flood insurance quote.

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