San Diego County saw widespread damage from flooding and mud flows on Monday. You might think homeowners insurance or renters insurance will cover damage from rainstorm flooding, but it will not. CBS 8 spoke to Doug Heller, Director of Insurance for the Consumer Federation of America. Here’s what he had to say: “The most important thing that people need to recognize is that their home insurance policy will not cover damage done by a flood. Across the United States flood insurance is covered separately from our home insurance policy and is actually excluded from the home insurance," Heller said. He says you have to buy a policy. MORE: https://www.cbs8.com/article/news/local/working-for-you/homeowners-insurance-typically-wont-cover-rain-flooding-damage/509-468046f4-bcdb-4b29-a499-d1476aa50db0 For the latest weather forecast and alerts: CBS 8 online: https://www.cbs8.com/ CBS 8 weather: https://www.cbs8.com/weather/ CBS 8 APP: https://www.cbs8.com/app NEAR ME | Send us your weather photos and videos: https://www.cbs8.com/near-me Sign up for the CBS 8 Newsletter: https://www.cbs8.com/email