One comes from the ground; the other comes from your pipes. Learn why Florida homeowners need both to avoid being denied during a storm.
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Flood (Outside-In): Standard home insurance never covers rising water from the street or storm surge. You need a separate Flood policy for this.
Water Backup (Inside-Out): If your sewer line backs up or your sump pump fails during a power outage, you aren’t covered unless you have this specific $50–$100 endorsement.
The “One Inch” Rule: Just one inch of water can cause $25,000 in damage. In 2026, most carriers now require a Flood policy if you live in a high-risk zone.
