Does flood insurance cover a busted water pipe?

It depends on the cause of the flood. For flood insurance to kick in, the pipe damage would have to be a direct result of a flood in Wichita, KS. But you may still be covered under your home insurance policy from The Insurance Hub LLC. If the busted water pipe floods your basement, then you will need to file a claim with your homeowners’ insurance.

How does insurance define a flood?

Flood insurance protects you from damage caused by flooding. Insurance companies require a flood to meet the definition of the National Flood Insurance Program (NFIP). A flood is caused by an overflow from a lake or river.

What is Flood Insurance?

Flood insurance is a type of property insurance that covers losses and damage caused by flooding. Standard homeowners insurance policies do not cover flooding.

What Does Flood Insurance Cover?

Flood insurance policies cover the cost of repairing or rebuilding your home if a flood damages it. This includes the cost of materials, labor, and any other necessary expenses. In some cases, flood insurance will also cover the cost of replacing personal belongings such as furniture, clothing, and appliances.

Flood insurance policies typically have two types of coverage: building property coverage and personal property coverage. Building property coverage helps pay to repair or rebuild your home, while personal property coverage helps pay to replace your damaged belongings.

Contact The Insurance Hub LLC

Wichita, KS homeowners insurance covers damage caused by fires, storms, theft, and other events outlined in your policy. Flood insurance, on the other hand, only covers damage caused by floods that meet the NFIP. If you’re confused – that’s okay. Give us a call, and we will answer all your questions.