Standard home insurance in Brooklyn can exclude certain aspects of your coverage, including occurrences such as flooding, mold, earthquakes, sewage backup, and more. In most cases, earthquakes and floods are not included in the coverage because they are not high-risk occurrences, but some natural disasters like hail damage, fires, lightning strikes are.
Do not just assume that your coverage will include all the damages in case of a claim. The best thing you can do for yourself is to do your research. Check if you reside in a flood zone, the type of sewerage system you have, and if you live near a fault line. This will help you add more coverage to your policy.
If you have to, then ask a lot of questions to understand your exclusions, deductibles, discounts, and how to handle claims once you purchase your insurance. Remember that you can be susceptible to flooding, whether you live in a flood zone or not. Sewage leak, earthquakes, or molds can happen any time in your life, and it is better to stay protected.