"How the water got there is going to dictate whether there's potentially coverage or not," he said. Some homeowners in high-risk areas are required by their mortgage lenders to buy flood coverage."
"Even when homeowners have flood insurance, some situations - such as groundwater seepage into a basement - typically aren't covered," said Garrett Guttenberg, executive vice president of Denis A. Miller Insurance Agency in Long Beach.
"Some policies may cover sewer and drain backups. These policies can help renters pay to replace damaged personal property," according to the Federal Emergency Management Agency.
County officials said earlier this week they were assessing whether the county will qualify for state and federal disaster aid to address the tens of millions in estimated damage caused by the storm.
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