Many people talk about their basements flooding or bathrooms flooding when the toilet gets backed up. Although those things can be described as floods that is not how insurance companies define floods. A flood to an insurance company is a much bigger scale. Floods are water moving over the ground. They can happen from heavy rain falls, storm surges, snow melts, rivers breeching their banks, and maybe even a dam break. The waters that flow over the ground and into your home is what a flood policy insures against. It provides protection against the damage caused by the water hitting your home, entering your home, and even water damaging one of your other structures.