Water damage usually not covered by home insurance
Floods and tsunamis. A flood is officially defined as “a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow,” according to FEMA. Tsunamis start as underwater waves, often caused by earthquakes, that grow in height as they reach the shore. You can buy a separate flood insurance policy.
Water damage due to lack of maintenance, like an old roof.
Water that backs up through a sewer, storm drain or other pipes from the outside. But you can buy “Limited Water Back-up And Sump Discharge or Overflow Coverage.”
