Flood Insurance

Flood generally means:

• the complete covering of normally dry land by any water:
  escaping or released from the normal borders of any lake or natural watercourse or any reservoir, canal, dam, or storm water channel or cannot enter such due to water already having escaped or been released

Storm means:

• cyclone, hurricane, rain, snow, sleet or hail

Water Damage means:

• water suddenly escaping from a water carrying or holding device due to the bursting, leaking, or discharging or overflowing of the device

Storm and Water Damage are normally covered under a Standard Home policy but Flood is sometimes optional.

Question: What is the difference between storm, water damage and flood damage?

Answer

Flood generally means:

• the complete covering of normally dry land by any water:
  escaping or released from the normal borders of any lake or natural watercourse or any reservoir, canal, dam, or storm water channel or cannot enter such due to water already having escaped or been released

Storm means:

• cyclone, hurricane, rain, snow, sleet or hail

Water Damage means:

• water suddenly escaping from a water carrying or holding device due to the bursting, leaking, or discharging or overflowing of the device

Storm and Water Damage are normally covered under a Standard Home policy but Flood is sometimes optional.