No. A standard homeowners insurance policy does not provide coverage in the event of flood damage. In most cases, however, CAA Water Coverage is available as optional coverage. If you add CAA Water Coverage to your home insurance, you will be insured against sudden loss or damage to your insured property, as defined by your policy. This includes floods, surface water from sudden heavy rainfall, the rising of the water table or groundwater and even mudflow. Other causes can be the escape of water or sewage from backed-up sewers, drains or septic systems in your home. Your living expenses, as defined by your policy, might be covered if the extensive damage to your home is a direct result of an insured peril covered by your policy. Ask your agent or broker for more details and to see if this coverage is right for you.