What Does Home Insurance Cover In A Flood? 
A homeowners policy doesnt cover any loss for property inside a structure that is caused by dust , rain , sand , sleet , snow or water which enter the house through an opening not made by the direct force of the wind or hail . That means that you really need a flood policy . 25 % of property losses in the USA are the result of flood . The problem is so great that insurance is underwritten by the Federal Government . Agents generally , have access to flood coverage for your home and many companies will discount your homeowners policy if you have a valid flood policy . 