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Water Damage Articles & FAQs

Articles and frequently asked questions about water damage.


Homeowners Insurance Does Not Cover Flooding?

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Homeowners Insurance Does Not Cover Flooding? We get this question quite frequently. Usually right after a homeowner speaks to their insurance company about a claim they want to file. Unfortunately, in most cases the homeowner is told they are going to have to pay for the repairs themselves because the insurance company will not. Most homeowners in Illinois do not have “Flood” coverage which covers you when the river across the street overflows, or a severe storm causes rainwater to flow into your basement.

Call Us Before Calling Your Insurance

Call Us Before Calling Your Insurance

One of the biggest mistakes many homeowners make is to call their insurance company first. By the time the conversation is over, the homeowner is left feeling helpless and very frustrated. This is because the homeowner said the wrong things or used the wrong terminology when talking to the insurance agent.

Homeowners insurance and Flood Insurance are two separate policies. One is provided by your insurance company, and the other is provided by the National Flood Insurance Program (NFIP). NFIP was created by Congress back in 1968 to give property owners an opportunity to buy insurance for floods and to help reduce future flood risks. Homeowners insurance does not cover flooding. Visit http://www.floodsmart.gov/floodsmart/ for more info about flood coverage.

An example of this happened this year to a couple in Westchester, IL. We’ll call them Betty and Bob to protect their identity. Anyway, Betty and Bob found their home with over a foot of water in the basement after a major storm. They called their insurance and told them they had a “flood” and that the water “must have gotten into the basement through cracks in the foundation or the windows”. The insurance company offered to come take a look but said they probably couldn’t do anything because it was ‘flood’ related. Betty and Bob were in luck because they called us right after speaking with the insurance company. We were able to come out and find that they had a blocked floor drain, and a ruptured hot water heater.

Sometimes the damage is a result of sewer backups which can happen during very severe rain storms. Again, this is something that should be left to professionals to determine. Flood Specialists, Inc. works with your insurance to help you avoid unnecessary out-of-pocket costs.




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