家庭保險涵蓋水災？
家庭保險涵蓋水災？
 It depends on the origin and cause of the water. A distinction has to be made between flooding and water damage. A flood is usually caused by external water rising, usually from heavy rain or a river overflowing. Flood is not covered by most homeowner policies. Water damage is generally defined as water hitting your home before touching the outside ground. It can originate from a roof leaf or a broken pipe and is usually covered by homeowners insurance.
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