Patios, porches, and decks bridge the outdoors and indoors. So, when a flood strikes, does flood insurance cover the cost of repairing those structures? Most customers don’t question this. They assume the answer is yes without confirming it, and unfortunately, we often have to tell them a different story. The team at Saucon Insurance Agency doesn’t want you to make the same assumption our customers did, so we’re addressing it here.

Does Flood Insurance Cover Patios, Porches, and Decks in Bethlehem, PA?

Whether attached or unattached, flood insurance does not cover the cost of repairing damaged patios, porches, and decks. Flood policies draw a clear line between property inside the insured home and property outside it. Interior belongings and the structure itself are covered, but patios, decks, and porches fall outside that scope because they’re considered exterior property. This holds true even if a porch is enclosed with mesh screens or glass, or if you’ve invested thousands of dollars into remodeling your deck.

Will Any Insurance Cover Patios, Porches, and Decks in Bethlehem, PA?

This exclusion is largely universal across flood insurance policies, including those through the National Flood Insurance Program, and there generally isn’t a rider available specifically to add flood coverage for these outdoor structures. That said, your standard homeowners policy may already provide some protection for decks, patios, and porches against other named perils, such as fire, windstorms, or vandalism, even though it won’t help with flood-related damage. One of our agents at Saucon Insurance Agency can review your current policy and your coverage options to help identify where protection already exists and where gaps remain.

It’s always disappointing to learn that flood insurance won’t cover exterior structures like decks, patios, and porches. The last thing we want is for you to pay the full cost of repairs yourself. We’ll do everything we can to help you understand your options and find the right coverage moving forward. Contact us for more information.