I had this happen last week during the heavy rains we had. We do not live on a flood plain and do not have flood insurance. Do I need to go pound sand? =( The adjuster may be here 2 weeks from last Thursday!!!
That is how I define a flood, too, Coop.
There are other things it could fall under though like water damage or act of nature. It would be the same thing as if snow on your roof caused the roof to collapse. IF you don’t have flood insurance there is no reason to even worry about if it will cover it. I am sure there is some way you can get your insurance to cover the damage. What is your deductible? If the damage is less than it, you might be better off to not claim it and just pay for the damage yourself.
Let’s clarify terms. Downspouts, are OUTSIDE the house. Downspouts direct water that runs off the roof, to the ground. I’m not seeing how a clogged downspout directly gets water into your house.
So, how exactly did the water get INSIDE the house? If it came from a pipe, inside the house, like th washing machine hose burst, or the toilet exploded, or a pipe in the wall burst, then it’s covered. If it ran in from the outside, through a window, door, seeped through the walls, or up through the floor with the water table rising, that’s flood, and NOT covered. If you have flood insurance, it very well could be covered under that.
I don’t know what the insurance adjuster will call it but to me a flood is a over-flowing creek or flash flood of water running down a hill or (sorry for the country boy language) a gully?
I don’t think it would, but that’s actually good news in your case, since you don’t have flood insurance, and flood damage is not covered under home owner’s insurance; you’d have to have a separate flood insurance policy to be covered for flooding.