Flood insurance typically doesn't cover the following:
Basement Contents: Items stored in basements, such as furniture, appliances, or personal belongings, are often not covered, especially if they are below the ground level.
Additional Living Expenses: Costs incurred if you need to live elsewhere while your home is being repaired, such as hotel bills, food, and other living expenses, are generally not covered.
Mold and Mildew: Damage caused by mold, mildew, or moisture that could have been avoided by the homeowner’s actions is usually excluded from coverage.
Outdoor Property: Fences, landscaping, swimming pools, decks, patios, and other outdoor structures or features are typically not covered.
Vehicles: Automobiles, motorcycles, and other vehicles that are not covered by comprehensive auto insurance policies are not included in flood insurance.
Business Interruption: Loss of income or revenue due to flooding, especially if you run a business from your home, is usually not covered.
Preventable Damage: Any damage that occurs due to a lack of maintenance, such as failing to repair a leaky roof or window, may not be covered.
Currency and Valuable Papers: Cash, stock certificates, and other valuable documents are generally not covered by flood insurance.
It’s essential to review your specific policy and discuss with your insurance agent to understand what is and isn't covered in your flood insurance.