Homeowner's Insurance

Does Florida Homeowners Insurance without extra flood insurance cover water damage if the roof is torn off from a storm and water comes from the sky?


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Wiki User
2015-07-15 21:40:46
2015-07-15 21:40:46

Yes. This is not a 'flood' situation. Flood insurance covers rising waters entering the home. The homeowners policy covers resulting water damage from a wind damaged roof.


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No, your homeowners insurance does not cover tenants nor any of their property or liabilities. actually, the presence of tenants without the presence of an owner can void all coverage and nullify the homeowners insurance policy. If the occupancy status of your home changes, contact your agent. Leased homes require landlords insurance. Vacant homes require a vacant property policy.

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