{"id":258,"date":"2026-07-31T12:00:00","date_gmt":"2026-07-31T18:00:00","guid":{"rendered":"https:\/\/www.friantinsurance.com\/blog\/?p=258"},"modified":"2026-07-22T18:04:33","modified_gmt":"2026-07-23T00:04:33","slug":"what-counts-as-a-flood-for-insurance-purposes","status":"publish","type":"post","link":"https:\/\/www.friantinsurance.com\/blog\/what-counts-as-a-flood-for-insurance-purposes\/","title":{"rendered":"What Counts As A Flood For Insurance Purposes?"},"content":{"rendered":"

Most people are under the impression that any type of water damage will count as a flood. However, insurance companies use a very specific definition for homeowners in Temecula, CA to determine whether a claim should be approved or denied. <\/span><\/span><\/span><\/p>\n

Temporary<\/span><\/span><\/span><\/h3>\n

Floods that are considered permanent rarely qualify for coverage. These types of floods may happen if the ocean comes inland, during severe flooding, or if a dam breaks. The water is unlikely to recede. Temporary floods are from things like nearby water rising, and they are expected to go back down. <\/span><\/span><\/span><\/p>\n

Land Impacted<\/span><\/span><\/span><\/h3>\n

In most cases, companies will look at how much land was impacted according to FEMA guidelines. These guidelines state that, for something to count as a flood, it must impact 2-3 acres or properties, and one of them must be yours. This may be acres surrounding your house if you own a few acres of land. If you have nearby neighbors, it would mean the rising water must have impacted them as well. Agents at Friant Insurance Agency can tell you more about the fine print on your policy. <\/span><\/span><\/span><\/p>\n

Ground Up Rule<\/span><\/span><\/span><\/h3>\n

Water damage caused by water rising from the ground up usually qualifies as a flood. This means that the water hit the ground first, or something caused water to rise up from the ground or ground level. For example, if water enters your home from a leaking roof, this would not qualify because the water touched the roof and then entered your home; it didn’t even hit the ground. <\/span><\/span><\/span><\/p>\n

Things can get complex when you’re trying to figure out what qualifies as a flood. Insurance representatives here at Friant Insurance Agency can help you find out if your situation qualifies for coverage. Contact us today. We’re currently serving the Temecula, CA area. <\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Most people are under the impression that any type of water damage will count as a flood. However, insurance companies use a very specific definition for homeowners in Temecula, CA to determine whether a claim should be approved or denied.  Temporary Floods that are considered permanent rarely qualify for coverage. These types of floods may […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[30,39,8,24,29],"class_list":["post-258","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-ca","tag-flood","tag-friant-insurance-agency","tag-insurance","tag-temecula"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t