Is there any type of flood-related damages that flood insurance will not cover?

Flood insurance policies typically do not cover additional living expenses, damages caused by sewer back-ups, sump pump overflows, losses due to power failures, damages that were already occurring before the flooding, and losses caused by your failure to properly preserve property in the event of flooding.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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