Flood Damage vs. Plumbing Damage

Typically covered by standard homeowner's insurance. Includes: burst pipes, water heater failure, washing machine overflow, AC condensation leaks, and sump pump failure (if caused by mechanical breakdown). Insurance generally covers resulting damage but not the plumbing repair itself.

NOT covered by standard homeowner's insurance. Requires separate flood insurance through the NFIP or private insurer. Includes: river/lake overflow, storm surge, heavy rain surface flooding, and groundwater seepage. Without flood insurance, you bear the full cost.