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Does Insurance Cover My Water Loss

Many homeowners learn the hard way (or the wet way) that their homeowners' insurance doesn't cover property damage caused by hurricanes and floods. If you live in a potentially affected area -- which could include everything from a home on the coast near a fragile levee that sees frequent floods to one downhill from a stream that hasn't flooded in years -- you probably should research a separate flood insurance policy to cover your home and its contents.

Be sure you understand what is included in your coverage. Talk to an agent if you have any questions, want to make updates or would like to know if any additional coverages are available.