Leaky roof? What insurance will and won't cover - CBS News 8 - San Diego, CA News Station - KFMB Channel 8

Leaky roof? What insurance will and won't cover

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SAN DIEGO, Calif. (CBS 8) - The storms have many homeowners on edge, especially those in areas vulnerable to flooding and mudslides.

The question they're asking is what's covered when it comes to their insurance policies and finding that while some storm damage - like water seeping in through the roof - is covered, but if that water comes into your home as a flood, you're most likely out of luck.

Bernardos Vasquez, an agent with State Farm in Chula Vista, says it depends on your individual policy.

"Generally speaking, a homeowner's policy is going to cover storm related damage caused by heavy winds or rain," he said.

Vasquez says the standard policy usually covers some stormy "Acts of God," but not all.

"Heavy winds or rain cause damage to your home, tearing off part of your roof , knocking a tree on to your fence or house or rain that seeps thru your roof -- that "Act of God" generally would be covered," Vasquez said.

But what is not usually covered is damage to your property caused by flooding, even if those flood waters were triggered by torrential rainfall.

"A flood is considered water that has hit the streets or the sidewalks and comes in under your doors, underneath your walls. It could be an overflow of a body of water like a river," Vasquez explained.

Vasquez says a flood policy typically runs $400 a year. He also says now is the time to get answers to your questions about your policy, and not after it's too late.

"The key things are going to be how much coverage do I have, what is my deductible, and if it is a case for example of a tree fell thru my house. What are my limits? Do I have enough insurance to rebuild my house," Vasquez said.

He also recommends taking a few minutes to organize all of your insurance policies and important paperwork and making sure they're in a secure place so you can access them quickly in an emergency.

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