That all depends on your individual plan and the actual cause of the flooding. Sudden or uncontrollable circumstances, such as flash floods or natural disasters, are generally covered by insurance plans. Preventable causes, such as plumbing leaks or open vents, will likely not be covered. These are generally ruled as faulty maintenance issues and may be seen as “neglect” by insurance companies. Check with your insurance company for the specific details of your plan.
Does Homeowners Insurance Cover Crawl Space Flooding?
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