"According to the IINC, flood and water damage are covered under two different insurance policies. Flood damage is only covered by flood insurance; while water damage could be covered by a homeowners insurance policy. Property owners should thus keep these distinctions in mind so they can file any insurance claims the proper way and minimize the likelihood of rejection.The IINC also reminds consumers to consider the exact type of insurance coverage they need to protect their homes with. For instance, while the possibility of water damage in Hermosa Beach homes is not to be discounted, local residents also need to keep in mind that certain sections of their community are considered flood hazard zones. As such, it would be wise to consult a reputable insurance provider for the particulars of each type of insurance policy."