The coverage for water or flood damages under homeowner's insurance varies by policy.
Homeowner's insurance and flood insurance are distinct policies, each covering different types of water-related damages. While homeowner's insurance typically provides coverage for sudden and accidental water damage, such as burst pipes or appliance leaks, it often excludes damage caused by floods.
Flood insurance, on the other hand, specifically addresses losses resulting from flooding events, including heavy rain, storm surges, or overflowing bodies of water.
For comprehensive protection, homeowners in flood-prone areas of Florida should consider purchasing a separate flood insurance policy.