If a pipe bursts in your kitchen or rain comes in through a wind-damaged roof, you’re covered. Unfortunately for Oregonians, most policies exclude damage for:
• Flood (including surface water, waves, tidal water, overflow of a body of water, or spray from any of these). Flood insurance is available through the National Flood Insurance Program; ask your insurance company for more information.
• Water or waterborne material that backs up through sewers or drains. Most insurance companies provide limited coverage for an additional premium; ask for more information on coverage and cost.
• Below-ground water or waterborne material (including water that exerts pressure on or leaks through a building, sidewalk, driveway, foundation, or other structure). Since this is not covered, you should regularly inspect gutters, downspouts, drainage systems, and outdoor irrigation systems to prevent this type of loss.