Homeowners insurance policies cover a multitude of incidents, but flood damage is typically excluded from all policies even in Claremore, Ok. Usually flood damage needs to be covered by a flood rider or policy that can be purchased for flood zones. The only time your homeowners insurance policy may cover flood damage is if the flood occurred accidentally at the hands of the owner or a guest of the house. Read on to learn all about the details of flood insurance and home insurance cov...