What types of losses are not covered by flood insurance?
Additional Living Expense coverage is not included as part of flood insurance. Sewer backup or seepage of water is not covered unless the property is, at the same time, damaged by flood. Water or moisture damage resulting from a condition primarily confined to the insured building. Losses caused by the insured's failure to use reasonable means to preserve property after a flood. A loss already in progress at the time a policy goes into effect. A loss caused by off premises power failure.
However, a complete review of your flood policy is necessary to fully determine coverage in your claim.
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