08/22/2026
Does Home Insurance Cover Flood Damage?
If your San Diego home experiences a flood, you might assume your standard homeowners insurance will pay for the damage. The answer surprises most people: in almost every case, no. A standard policy does not cover flood damage, which is defined as water entering from the outside, such as rising creeks, overflowing storm drains, hillside runoff, or a street that floods during heavy rain. While water damage from a burst pipe inside your home is usually covered, water that floods in from the outside requires separate flood insurance.
If you are unsure whether you are dealing with water damage or flood damage, the experts at Gold Coast Flood Restorations can help. They have inspected San Diego homes for over 35 years and are ready to provide expert advice. Call them at 619-449-9611 to get the guidance you need.
Gold Coast Flood Restorations
10965 Hartley Road, Suite S, Santee, CA 92071
619-449-9611