Here in Florida, we get socked by hurricanes and tornadoes and our homeowners policy covers damage from wind and rain.  Flooding is another matter — which is why you should consider adding flood insurance through the federal government.  (You can obtain it through us.) Flood insurance protects you against damage to your property caused by flooding.  Your property policy does not cover damage from flood loss to any property resulting directly or indirectly from water or damage caused by water-borne material.  Water and water-borne material damage includes, but is not limited to flood, surface water, tidal waves, overflow of body of water, spray from these whether or not driven by wind. Loss resulting from water or water-borne material damage is not covered even if other perils contributed directly or indirectly to cause the loss.

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