Does Flood Insurance Cover Mold, Sewer Backup, or Groundwater Damage?

Many homeowners often assume that any water-related damage may be covered by flood insurance. However, issues such as mold, sewer backup, or groundwater seepage may not be covered. These can cause extensive and costly damage to your home, so knowing what your flood insurance covers is crucial.

What Does Flood Insurance Cover?

Flood insurance is typically obtained through either private insurers or the National Flood Insurance Program (NFIP). A flood insurance policy can cover direct physical damage caused by flooding to a home and its contents, including:

• Structural damage

• Electrical and plumbing systems

• Flooring

• Appliances

Mold Damage

Flood insurance may cover mold damage in specific circumstances, such as if the mold is a direct result of a covered flood event and you have taken reasonable steps to prevent further damage. Mold that builds up due to negligence or pre-existing conditions typically won’t be covered.

Sewer Backup

Sewer backups can be messy and expensive to resolve, but these events aren’t typically covered by flood insurance. You may choose to add a specific sewer backup rider or endorsement to your home insurance policy to specifically cover damage from sewer backups.

Groundwater Seepage

Groundwater coming into your home through the foundation or basement is typically considered a non-flood water intrusion and therefore isn’t usually covered by a flood insurance policy. Some private insurers may offer endorsements or separate policies for groundwater damage, but they can be costly.

Contact Us

Flood insurance is essential if you live in a flood-prone zone, but it’s important to know its limitations. Contact Harlan Insurance in Alexandria, LA to discuss your specific coverage needs and review what damages are covered in your policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.