Does my homeowners policy cover flood damage?

No. Every homeowners, condo, renters, and landlord policy in Georgia excludes flood damage. If a storm or rising river causes water to enter your home from outside, that is flood and needs a separate flood policy. Water damage from a burst pipe inside your home is not flood; it is covered under your standard policy. The distinction matters because 20 percent of US flood claims come from homes outside designated flood zones.