Evan Sousa, left, gets help from Calvin Drake pushing water out of his flooded apartment on Palmetto Avenue in Pacifica, Calif., Thursday morning, Jan. 5, 2023. (Karl Mondon/Bay Area News Group)
Punishing winter weather has triggered flooding and mudslides across the greater Bay Area the past week, prompting evacuation orders and damaging homes. But some homeowners trying to file insurance claims in the wake of the storms may be surprised to find they’re not covered.
That’s because while most home insurance plans account for rain and wind damage — such as a blown-over tree crashing onto your roof — the policies generally don’t cover