Water Damage vs Flood Damage | Indianapolis News
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When water turns your home into a soggy mess, knowing the difference between covered water damage and flood damage could save you thousands. Most homeowners insurance won’t cover floods—those need a separate policy. But even without flood coverage, you might still need to file a claim with your regular policy before FEMA can help. The key? Document everything—photos, item lists, receipts, and emergency repairs. And the best move? Prep ahead: create a home inventory with photos before disaster strikes. Being ready means faster recovery and fewer headaches when the water rises.
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