Axiom Home Page Forums General Discussion The Water Cooler Save on Home Insurance

Flood is NEVER included in a homeowner policy. Normally, water damage of any kind isn't covered unless it's a result of a covered peril (like wind, hail, lightning, etc.) Sewer backup of drains isn't normally covered either, but there's an endorsement you can add to your policy which is worth it. I've seen a lot of these claims happen, and people get pissed when they find out they don't have coverage for it.