Many Florida homeowners wonder if flood insurance through Hamilton Fox & Company Inc., serving Pinecrest, FL, will help cover water damage caused by plumbing issues within their homes. It’s an understandable question, especially in a state where protecting against water damage is always a priority. However, flood insurance and plumbing mishaps generally aren’t connected in the way people might hope.

What Flood Insurance Actually Covers

Flood insurance is designed to protect your home and belongings from water damage caused by external sources of water. This includes water entering your home due to heavy rain, storm surge, overflowing rivers, or similar natural events. The coverage applies explicitly to flooding that affects multiple properties in your area.

For example, if a hurricane pushes water into your living room or a sudden downpour causes local streets—and your yard—to flood, a flood insurance policy can help cover the cost of repairs.

Why Plumbing Failures Aren’t Included

Damage from burst pipes, malfunctioning water heaters, or backed-up drains is typically not covered by flood insurance. These types of issues are considered maintenance or accidental problems within the home. Instead, they are usually covered under your standard homeowner’s insurance, provided you’ve maintained reasonable care, and there are no exclusions in your policy.

Get Clarity Before Problems Happen

Water damage can be complex, and it’s essential to understand how your policies work before you’re faced with an unexpected expense. A Florida insurance agent can review both your homeowners and flood insurance policies with you, explain what each one covers, and identify any gaps that might leave you vulnerable.

Taking the time now to understand where flood insurance ends and homeowners coverage begins can provide valuable peace of mind—and ensure you’re protected from water damage, no matter how it starts. Contact Hamilton Fox & Company Inc., serving Pinecrest, FL, to learn more.