The Sandy Nightmare: Flooding Isn’t Covered By Home Insurance

When homeowners started going back to their homes after Sandy wreaked havoc, they were in for some surprise. Aside from the damage that their houses have sustained, they have another tough fact to face. That fact is that home insurance does not cover damage caused by flooding.

Flood insurance is something that is distinct from home insurance. Only those who have it would get compensation for the damages that their places have sustained. The problem is that many homeowners are unaware of that tiny and yet very crucial detail.

Here is an excerpt from an article by KATHY KRISTOF that appeared on, “Only people with flood insurance are covered against the kind of storm surges that cascaded through New York and New Jersey. Those with homeowners insurance alone are likely to be compensated for their losses only when the damage was caused by wind or water pouring in from the sky, rather than from ground level.

“We issue a lot of news releases, and [the Federal Emergency Management Agency] spends a lot of time and money trying to inform people about flood insurance, but even still it comes as a surprise to some people that they’re not covered through their homeowners policy,” said Jeanne Salvatore, spokeswoman for the Insurance Information Institute.”

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