A: Dear Swimming in Queens, Great question and one that I am often asked. Technically, what you had was NOT a flood. Therefore, your Homeowner’s policy will cover this loss as this loss would be considered “water damage.” What’s the difference? A flood is defined as “rising and overflowing body of water.” If your toilet becomes an overflowing body of water, I suggest the culprit visit a doctor. Anyway, here are a few examples of flood damage and water damage:
So if you ever have any type of water damaging your home, call your agent to find out if it is “water damage or a “flood”. Better yet, just get flood insurance and be protected either way. Wishing you and your home stays nice and dry.