As with all insurance policies, it’s important to read the fine print in your policy and ensure that you aren’t missing anything.

An inch of water can cause up to $25,000 in damages, according to FEMA. Despite having homeowner’s insurance, if you were involved in a flood, you would still need to deal with the damages to duct work and other internal damage in your home. And unfortunately, unless you have specific flood damage, you won’t be covered with your homeowner’s policy.

Image via Consumer Reports.