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Can you afford to pay out of pocket to fix damages or replace your home if it floods?
The picture, courtesy of the Insurance Information Institute, depicts a home with the first floor flooded.
Unfortunately, the homeowner did not have flood insurance. Because homeowners' and renters' insurance does not typically cover flood damage (and their policy did not cover flooding), he is now caught between a rock and a hard place.
Updated 5/26/2026
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Joseph Porcelli · May 26th, 2026
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Poll - When did you last check your insurance deductible?
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Joseph Porcelli · Feb 15th, 2023
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Poll - Do you know most homeowners' insurance policies do not cover flooding?
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Joseph Porcelli · Feb 15th, 2023
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Poll: Are you aware of the possibility of adding a sewer and backup endorsement to your property insurance policy?
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