EXCESS FLOOD POLICIES ARE AVAILABLE FOR HIGHER LIMITS OF COVERAGE IF THESE LIMITS DO NOT MEET YOUR NEEDS.
Water has to cover 2 or more acres of land that is normally dry, or has to have damaged 2 or more adjacent properties (one being your home). It has to come from either: Overflowing inland or tidal waters; unusual, rapid accumulation of runoff of surface water from any source; or mud flow. Floods are usually due to excessive rain or snow.
NOT A FLOOD - WATER & SEEPAGE THAT COMES FROM SEWER OR DRAIN BACK-UPS, OR SUMP PUMP OVERFLOWS ARE NOT CONSIDERED FLOODS UNDER THIS POLICY.
Your home & its foundation; electrical/plumbing systems; HVAIC equipment like air conditioning, furnaces and water heaters; built in kitchen appliances like refrigerators and stoves; installed carpeting; installed wallboard, paneling, cabinets or bookcases; window blinds; detached garages (10% home limit); debris removal. Flood insurance covers the cost to rebuild or actual cash value, whichever is less.
Clothing, furniture, electronic equipment, curtains, window a/c units; portable microwaves and dishwashers; area rugs and carpets that are not covered by building coverage; washers/dryers; your freezer and frozen food; upt to $2500 in valuables such as art and furs.
Typically what belongs in a safe deposit box or in a bank is not covered: Precious metals, stock certificastes, bearer bonds, cash
Most personal property such as clothing, electronic equipment, kitchen supplies, furniture; bookcases; window treatments; carpeting, tile or other floor coverings; some drywall depending on how far below ground level; paneling; walls and ceilings not made of drywall.
EXCESSIVE RAIN CAUSES FLOODS - Check out the video. Your homeowners policy does not cover floods. ( Good news - Your auto policy does cover flood damage to your autos!)