When a storm rolls through, bringing torrential rain and rising waters, homeowners often find themselves facing one of the most devastating types of property damage: flooding. As a company that has been handling water damage restoration for years, we’ve seen firsthand how overwhelming it can be to deal with flood damage. One of the first questions homeowners ask us is, “Does my homeowners insurance cover flood damage?” The short answer is—probably not.  

The Reality of Homeowners Insurance and Flood Damage

Many homeowners are surprised to learn that standard homeowners insurance policies typically do not cover flood damage. Insurance companies classify floods as a separate risk, which means they require a separate policy. If your home sustains water damage from a burst pipe, a leaking roof, or an appliance malfunction, your homeowners insurance will likely cover the repairs. But if that water comes from an overflowing river, heavy rain, or storm surge, you may be out of luck—unless you have flood insurance.  

Understanding Flood Insurance

Flood insurance is designed specifically to cover damages caused by rising waters. This type of insurance is usually purchased through the National Flood Insurance Program (NFIP) or a private insurer. It covers structural damage to your home as well as certain personal belongings. However, it’s important to note that it doesn’t cover everything. For example, temporary housing costs or damages to outdoor property like decks, pools, and landscaping typically aren’t included. If you live in a flood-prone area, your mortgage lender may require you to carry flood insurance. But even if it’s not required, it’s something we strongly recommend. We’ve responded to countless flood damage emergencies where homeowners assumed they were covered, only to find out they weren’t. The financial burden can be devastating.  

What to Do If Your Home Is Flooded

If you experience flooding, the first priority is safety. Evacuate if necessary, and never attempt to wade through floodwaters—they can be contaminated or hide hazards. Once the water recedes, it’s time to assess the damage and start the recovery process. That’s where we come in. As a trusted restoration company serving Raleigh and the surrounding areas, we specialize in flood cleanup and water damage repair. We move quickly to extract standing water, dry out affected areas, and prevent mold growth. The sooner we can start the restoration process, the better the chances of minimizing long-term damage.  

Filing a Flood Damage Insurance Claim Raleigh

Navigating the insurance claims process can be just as stressful as dealing with the actual damage. That’s why we assist homeowners in documenting the extent of their losses, communicating with insurance adjusters, and making sure they receive the compensation they’re entitled to. Filing a Flood Damage Insurance Claim Raleigh is a critical step in the recovery process, and we ensure that it is done efficiently. If you have flood insurance, filing a claim quickly is crucial. Insurers often have strict deadlines, and any delays can impact your ability to recover financially from the disaster.  

How We Can Help

At Water Damage Pros Raleigh, we understand the emotional and financial toll that flooding can take. Our team is on call 24/7, ready to respond the moment disaster strikes. Because we’re a locally owned and operated company, we treat every customer like a neighbor. We don’t just handle the cleanup—we guide you through the entire process, from assessing the damage to working with your insurance provider. If you’re unsure whether your policy covers flood damage, we encourage you to review it now, before disaster strikes. And if you ever find yourself dealing with a flood, know that you don’t have to go through it alone. Give us a call at 984-205-1439, and we’ll be there to help get your home back to normal as quickly as possible.