By Giovanni Longo, third-generation master plumber and certified Flood Mitigation expert, Flood Brothers Plumbing
Forecast note (as of Nov 5, 2026): NOAA's Climate Prediction Center has an El Niño Advisory in effect and expects a strong-to-very strong El Niño through January–March 2027, with chances remaining above 83% (CPC ENSO discussion, Oct 8, 2026; CPC status update, Nov 2, 2026). The National Weather Service in Los Angeles (AFD 12:43 PM PST Nov 5) keeps dry offshore weather through about Wednesday, a chance of light rain Thursday, Nov 12, then wet and unsettled weather from about Friday, Nov 13 into that weekend, with ensembles showing decent chances of widespread 1+ inch totals though timing and amounts remain uncertain (NWS Los Angeles AFD). NWS San Diego likewise flags a large trough late next week with substantial rain possible but low confidence in the details (NWS San Diego AFD). El Niño raises the odds of a wet winter, but it doesn't guarantee one. Check weather.gov/lox before each storm.
This is the conversation I hate having after a storm. A homeowner calls me, we pump out the house, and then they find out their policy won't pay for the water damage. Here's what to know before the rain, not after.
FEMA says it plainly: "Most homeowners insurance does not cover flood damage" (FEMA; FloodSmart). Rain that flows across the ground and into your home is usually treated as flood or surface water. A burst pipe inside the house is a different kind of claim, and many policies do cover sudden internal leaks. Read your own policy, or ask your agent, for the exact wording.
National Flood Insurance Program (NFIP) policies generally take effect 30 days after you buy them. There are exceptions, such as buying when you close or refinance a mortgage (FloodSmart, FEMA FAQ). If you buy now, it may not cover the first storms of the season, but it could cover the ones later this winter. Private flood insurance is also sold, and its waiting periods vary.
Per FloodSmart, NFIP policies generally exclude property outside the building, such as landscaping, decks, patios, fences and pools. They also exclude most personal property kept in basements and additional living expenses (FloodSmart).
FloodSmart also notes that NFIP covers some "loss avoidance" expenses for preparing before a flood (FloodSmart fast facts). Ask your agent what qualifies.
That's why I keep pushing the pump-hose-outlet plan. Water you keep out is damage you never have to claim. See the step-by-step pump guide.
Take photos first. Write down the time and where the water came in. We work directly with your insurance company and can document the damage. We also do water removal, drying, odor treatment, tarps and board-ups. Learn more on our water damage page, or find your area: Studio City, Los Angeles.
Water and electricity can mix safely only when you set them up correctly. Here's how I set up every pump:
Call or text 855-840-7800. A live person answers 24/7, and we offer same-day service. Flood Brothers Plumbing is licensed, bonded and insured (CA License C36-985487), we've been at this for more than 15 years, and we work directly with your insurance company. If water already got in, see our water damage restoration service: water removal and drying, odor treatment, tarps and board-ups.
Before the El Niño rains and the holidays, get a sewer mainline snake plus camera inspection for $99. Mention "Gio's $99 special" when you call or text 855-840-7800. Mention the special when booking; valid through 12/31/2026. See Gio's $99 Special.
This is general information, not insurance or legal advice. Your policy wording controls.
Usually not. Most homeowners policies exclude flood and surface water. Check your policy or ask your agent.
Probably not. NFIP policies generally start 30 days after purchase, with a few exceptions, such as buying with a mortgage.
No. Sudden internal water damage is a different kind of claim, and many policies cover it. Read your policy.
We work directly with your insurer to document the damage and the repair.
Stay safe from electricity, take photos, and call or text 855-840-7800. A live person answers 24/7.