Harrison, AR is known to get the same amount of rain as the rest of the region, but that can mean Spring showers that feel like miniature monsoons. Homeowners may notice leaks in the roof they didn’t know about, and water can rise from the ground, causing significant structural damage. Some incidents may qualify for flood insurance coverage. 

What Counts As A Flood?

Rain alone will not count as a flood. That means if water leaks through the roof due to heavy rainfall, the damage likely won’t be covered. Instead, the damage must be caused by water rising from the ground up, such as a stream overflowing. Some companies mandate that more than one plot of land is affected for it to count as flood damage. An agent here at Foresee General Insurance Agency Inc. can help you learn more about coverage qualifications. 

The Type Of Damage Matters

Heavy rainfall can cause significant damage, including flooding. For example, it may come with a storm that makes trees fall or causes a roof to leak. On top of that, it can cause a nearby stream to overflow or lead to excessive groundwater, worsening the damage. In this situation, these policies may cover damage caused by water rising from the ground, and your home policy will likely cover other damage, such as a damaged roof. 

Typically, storm damage involves using various policies because each one covers different types of damage. Agents at Foresee General Insurance Agency Inc. can help you learn more about your coverage, including what counts as flooding. Contact us today. We’re currently serving the Harrison, AR area.