Does a Tampa Homeowners Insurance Policy Cover Flooding?

April 3, 2021

Tampa, Florida is one place that has a constant threat of flooding from hurricanes and thunderstorms. If you live in Tampa or are planning to buy a home in Tampa, you’ll need to get an insurance policy that offers flood damage coverage. If you’re thinking that simple homeowners insurance is sufficient for flood damage coverage, think again. In this article, we discuss whether Tampa homeowners insurance offers coverage for flooding or not.

Water damage vs flood damage

Most providers of Tampa homeowners insurance don’t cover flood damage as part of their policy. Instead, what they do offer is coverage for water damage. So, what’s the difference? Well, flood damage includes any harm to the property that occurs as a result of flooding and sand-logging. This might occur due to coastal floods, tsunamis, groundwater leakage, spring thaws and tidal changes.

Water damage refers to any damage that occurs to the property due to the unanticipated malfunctioning of pipes in your plumbing system. It also includes bursting of water heaters or leaking sinks and toilets. If you were to purchase homeowners insurance in Tampa FL, you’ll find that it covers water damage that is unanticipated. This means any water damage which does not occur due to negligence. If you require flood damage coverage, you can purchase a separate flood insurance policy from HH Insurance.

Getting the most value out of your water damage clause

Water damage is one of the most common problems in any household. Here are a few ways to get the most out of your homeowners insurance water damage clause:

Plumbing failures – You can use your homeowner’s insurance for any plumbing water damage issues, including:

  • Broken pipes
  • Clogged sinks that lead to waterlogging damage
  • Excessive leaking
  • Frozen pipe cracking
  • Drain system failure.
  • Backed-up sewer

Toilet failures – After plumbing breakdown, water damage from faulty toilets are also covered under homeowners insurance. You can use your insurance to cover water damage by:

  • Clogged or backed-up toilets
  • Water back-up and sewer back-up

Other water damage issues –

  • Water heater or boiler explosions
  • Washing machine supply line breakdown

At HH Insurance, we offer highly competitive Tampa homeowners insurance. Our water coverage clause is extremely expansive and helpful when you experience water damage. Feel free to reach out to us to learn more about our Tampa homeowners insurance. We look forward to helping you protect your home.