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What flood insurance does and does not cover Oftentimes insurance doesn’t cover what the policy holder thinks it does — or thinks it should.

Oftentimes insurance doesn't cover what the policyholder thinks it does—or thinks it should. Flood insurance is no exception.

What flood insurance covers Even if a homeowner does have flood insurance, the coverage may not be enough to make a policyholder whole again.

What flood insurance covers Even if a homeowner does have flood insurance, the coverage may not be enough to make a policyholder whole again.

If you have flood insurance — either through your home insurance provider or the National Flood Insurance Program (NFIP) — it's crucial to file a claim promptly.