Recent flooding raises insurance coverage concerns

Flooding off Quaker Trace near US 35, June 19, 2014. (WDTN Photo/Brooke Moore)

DAYTON, Ohio (WDTN) – Flash flooding from last week is leaving a lasting impact for many homeowners and renters.

Some are learning their insurance may not be enough to covers thousands of dollars in repairs.

Several viewers have told 2NEWS that they have flood insurance, but aren’t being covered for the damage.

2NEWS set out to get answers from one local agent about the ins and outs of flood and home insurance coverage.

Flood damage can cost anywhere from a $1000 to $10,000, and for most property owners, they look to their insurance companies for help.

Ken Morris Insurance Agency has been one of those companies, the owner has worked in the Miami Valley since 2008.

Morris said he has seen his fair share of mistakes, but one in particular is common and can be costly.

“Home insurance does not cover flood. And a lot of people think they have flood insurance because they have backup of sewer and drain coverage, which is a totally different animal,” he said.

Water that enters into your home from rain, a creek, a lake or even a sewer is considered flooding, which means average home insurance coverage won’t cut it.

But 2NEWS has learned that sometimes, flood insurance won’t help you either.

“… it covers damage to your home caused by flood water but there’s usually high deductibles and the price for the coverage depends on whether you’re in a flood plain or not. If you’re not in a flood plain, it’s usually a few hundred dollars; but, if you are in a flood plain, it could be thousand of dollars,” Morris told our 2NEWS reporter Beairshelle Edmé.

Many areas throughout the Miami Valley fall into a flood plain map, but that’s not the only determination of how much you may pay and whether you’re eligible for coverage.

The structure of your home will affect your insurance.

If you have a basement the price will be higher, and a crawl space is more expensive than if you lived on a slab.

However, not all lower levels are covered.

“With a bi-level or a tri-level, a lot of times the lower level, like, you might have a garage in that level so it’s actually a walk-out level with the ground level so it would not be considered a basement,” said Morris.

Experts recommend the first thing to do is contact your agent and do your best to clean out the water.

The first 24 hours are the most important to limiting the damage and to keeping mold from forming in your home.

Agents also advise actually taking a look at your policy and the documents.

If something isn’t covered, ask your agent if there may be additional insurance to cover your property. provides commenting to allow for constructive discussion on the stories we cover. In order to comment here, you acknowledge you have read and agreed to our Terms of Service. Commenters who violate these terms, including use of vulgar language or racial slurs, will be banned. Please be respectful of the opinions of others and keep the conversation on topic and civil. If you see an inappropriate comment, please flag it for our moderators to review.

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