There are two distinctly different types of flood damage that can occur to your home, and it is vitally important that you be adequately prepared for both. While regular homeowner's insurance will probably cover flooding due to a burst water pipe (as long as it wasn't caused by your neglect in failing to repair a minor leak), flooding from hurricanes or tornadoes is not usually covered by homeowner's insurance. You need a special flood policy to assure coverage.

Before you ever suffer from flood damage, you need to be sure you're prepared with the proper insurance. The worst flood damages usually occur because of extreme weather conditions such as hurricanes. And those floods are NOT covered by regular homeowner's insurance.

There are many ways that your home can be damaged by water. Most homeowners avoid houses located in flood plains in order to prevent the likelihood of flooding and the higher insurance premiums that accompany living in a flood plain. They may also choose to avoid areas that are subject to weather extremes which may also result in damage to the home.