Flood insurance exclusions refer to the specific circumstances or types of damage that a flood insurance policy will not cover. Common exclusions include:
Damage not caused by flooding: Flood insurance usually only covers direct physical damage from flooding. Other water-related damage, such as sewage backup or leaks from within the home, might not be included unless a flood causes these issues.
Outside property: Items located outside the insured building, such as landscaping, fences, pools, decks, and patios, are often excluded.
Basement items: Certain personal property or structural elements located in basements, like furniture, electronics, or some appliances, may not be covered.
Additional living expenses: Flood insurance typically does not cover costs for temporary housing or other living expenses while the home is being repaired.
Business interruption losses: If the property is used for business purposes, flood insurance may not cover lost income or business operation disruptions.
Vehicles: Damage to vehicles caused by flooding is typically not covered under flood insurance and instead falls under comprehensive auto insurance.
Mold and mildew: Damage caused by mold or mildew resulting from a flood might not be covered, especially if it could have been prevented with timely cleanup.
Reading the policy details is essential to understand the full scope of exclusions.