Will Your Insurance Really Cover Hurricane Sandy's Damage?

Will Your Insurance Really Cover Hurricane Sandy's Damage?
Wreckage lies outsice damaged beach front homes after superstorm Sandy in Milford, Conn., Tuesday, Oct. 30, 2012. (AP Photo/Jessica Hill)
Wreckage lies outsice damaged beach front homes after superstorm Sandy in Milford, Conn., Tuesday, Oct. 30, 2012. (AP Photo/Jessica Hill)

With rain flooding the Washington area, many homeowners may end up looking to their insurance to cover water damage to their homes or belongings.

But standard homeowners insurance doesn't cover flooding, warns the federal government Web site FloodSmart.gov, and that can be a costly omission.

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