Waterloo homeowners can be affected by flooding in the spring and summer, thanks to melting snow and rain storms. Standard home insurance doesn’t usually cover flooding or sewage backup, which often happen together. However, you may be able to buy special coverage to protect your home from these risks. Insurance providers categorize flood damage into many different types, including groundwater and overland flooding. If you opt for flood protection, just make sure you understand what your policy covers and what it excludes.