No. Standard Colorado homeowners policies exclude flood damage, so you need a separate flood policy through the National Flood Insurance Program (NFIP) or a private flood insurer. Flood includes overflowing creeks and rivers, flash floods, mudflows, and snowmelt or heavy rain that rises into the home. Water from a burst pipe or a hail-damaged roof is usually a homeowners claim; rising surface water is not.
Colorado has a long flood history, including the 1965 South Platte River flood that swept through Englewood and Denver, the 1976 Big Thompson flood, and the September 2013 Front Range floods. Flash flooding below wildfire burn scars has become a growing risk as well.
Questions about your own policy? Johnson Insurance Agency in Englewood helps families and businesses across the Denver metro area and Colorado compare coverage from multiple carriers. Call us at 303-768-8130.
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