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Home Insurance Question from Murphy, Texas
Answer given on April 26, 2019
While a "level 3" water damage issue is unknown, if you did suffer water damage to your home, caused by a plumbing or pipe issue within your home, you can file a claim even if the insurance policy has since expired. You will need to prove that the damage occurred while the said insurance policy was in force. That may be difficult, but if you have evidence it will help your situation.
If you are referring to flood damage due to high water caused by rains or tornados, the standard Homeowner insurance policy does not cover that type of damage. It only covers water damage due to a broken pipe or similar situation. The damage is covered by the homeowner policy, but there is no coverage for the actual pipe that caused the damage. In addition, the deductible on your homeowner policy will apply before any payment is made to you.
If you are certain that you have all the necessary information, contact the previous homeowner insurance company and file the claim. Stress that the damage occurred before your policy expired, but you were unaware until after the policy expired.
NOTE: The IMPORTANT NOTICE below is a part of this answer!
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