Collapse or subsidence of land and the insured house, along a shore of a body of water caused by waves or currents of water are considered a flood and are covered by this policy.
Overflows from sewer systems or sump pumps are not considered a flood unless a flood has caused the backup and overflow.
Voluntary flood insurance policies are not enforced until 30 days after purchase.
Flood damage is not typically covered by a homeowners insurance policy.
25% of homes with flood claims each year are in low risk zones.