- 1776 N Pine Island Rd, Suite 324 Plantation FL, 33322
- quotes@caseyinsurancecompanies.com
- +1 (888) 537-1412
Flood and Water Coverage protects your home from one of the most common and costly sources of property damage uncontrolled water. While standard homeowners insurance typically covers sudden and accidental water damage (such as burst pipes, appliance leaks, or overflow), it usually does not cover flooding caused by rising water, heavy rain accumulation, or storm surge.
Flood insurance fills this gap by providing protection against external water events, while water damage coverage handles internal losses. Together, these policies ensure your home, structure, and belongings are protected from both inside and outside water-related risks, helping you recover faster after a loss.
This coverage is especially important for homes in coastal, low-lying, flood-zone, or hurricane-prone areas, where standard home insurance alone may not be enough.
Flood and water coverage combines:
Water damage coverage under a homeowners policy (internal, sudden events)
Flood insurance (external water from rising sources)
Flood insurance is typically written through the National Flood Insurance Program (NFIP) or private flood markets and must be purchased separately from standard homeowners insurance.
We design layered coverage that protects against both internal water damage and external flooding, eliminating costly gaps.
Access flood insurance through NFIP and private flood carriers, allowing higher limits and tailored protection.
Our claims team coordinates inspections and payouts quickly to limit further damage and speed recovery.
With deep experience in flood-prone and hurricane-exposed regions, we build policies that reflect real local risks.
Water damage coverage applies to sudden internal issues like burst pipes, while flood insurance covers damage caused by rising water from outside the home.
No. If water rises from the ground and enters your home, it is considered flooding and requires separate flood insurance.
Flood insurance covers rising water, storm surge, heavy rainfall, melting snow, and overflow of inland or tidal waters that lead to property flooding.
Homeowners policies generally cover sudden and accidental water damage, such as burst pipes, leaking roofs, or appliance overflows, but not gradual or flood-related damage.
Water backup coverage is an optional endorsement that protects against damage caused by drain or sewer backups and sump pump overflows not covered by standard policies.
If your home is located in a high-risk flood zone, lenders typically require flood insurance as part of your mortgage agreement.
Because flooding and water incidents are among the most common and costly causes of property damage, this coverage provides financial security and peace of mind for homeowners.
+1 (888) 537-1412
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