00:00Widespread flooding hit residential neighborhoods across Rhode Island over the weekend.
00:04The heavy rain caused water damage in homes and properties across the region.
00:08But for many homeowners, paying for those repairs may not be straightforward.
00:13Insurance experts say standard homeowners' policies often exclude damage caused by general flooding.
00:19That means expensive repairs could fall outside a homeowner's regular coverage.
00:23Mark Mayle, CEO of the Rhode Island Association of Insurance Agents, explained the coverage gap.
00:30He says homeowners can purchase separate flood insurance, even outside designated floodplains.
00:35However, flood insurance is generally optional unless required by a mortgage.
00:39As a result, some homeowners may skip the additional policy.
00:43Many also mistakenly assume their homeowners' insurance already covers flood damage.
00:48Experts say understanding these policy differences can help residents avoid costly surprises.
00:53With severe flooding affecting communities, reviewing insurance coverage could become increasingly important.
01:00Disclosure, this video contains stock footage and content created or enhanced using AI-assisted tools.
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