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Gahanna,#2Consumer Suggestion
Wed, July 28, 2010
Floods are not covered by homeowners insurance in any state, they are underwritten by FEMA. So it matters greatly how the water came in the home. If it is the result of water seeping in from the outside, that is a flood. Your flood policy would cover that, minus your deductible. I would have to see why the flood claim was not accepted, but this should have been denied under home insurance.