- Flood - a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow - www.floodsmart.gov for more info
"I have a basement that gets water but has a sump pump." - there is a way to get water due to flood covered in some instances through an endorsement which can be added to your homeowners policy. It is not automatically added by your insurance company and not all companies offer this endorsement
"So does any water damage constitute a flood and therefore not covered?" - absolutely not, in many cases the damage from water is absolutely covered
Not in a flood zone? You can still purchase flood insurance.
- How much? usually $200-$500 annually.
Next month - Hurricane Deductible vs Wind/Hail Deductible