If a pipe in your home busted and flooded your floor, would it be considered a “flooding event” and thus, not reimbursed by your homeowner’s policy? Or would it be covered?

If you answered, “Yes, this event should be covered under my home insurance policy” (or something similar), you’re correct. A flooded floor or other water damage to the home caused by a busted pipe (or even a malfunctioning appliance) would likely be covered by a typical homeowners insurance policy.

What kinds of events then, are classified as “flooding” and are thus not covered under a standard home insurance policy? Obviously, a heavy rainfall event wherein water rose into your home would be considered flooding.

However, other kinds of damage classified as “flood damage” under standard home insurance and flood insurance policies aren’t quite so obvious. In other words, your house doesn’t need to flood with rainwater to sustain “flood damage.” As specified in typical homeowners and flood insurance policies, flood damage also includes: