Insurance expert warns of flood coverage gaps during El Niño events

Karen Collins, representing the American Property Casualty Insurance Association, stated that standard homeowners insurance policies typically do not cover flood damage. She advised homeowners, renters, and business owners to seek separate flood insurance coverage. Public safety officials in the Tri-Counties are also urging residents to prepare for potential El Niño impacts.

Collins clarified that while damage from wind and rain coming through the roof or windows is generally covered, flooding from groundwater or coastal surge requires distinct insurance. This highlights specific risks in the insurance market, particularly in areas where Karen Collins focuses her advocacy work regarding insurance market risks associated with Los Angeles.