General coverage limitations are explained in the answers to Questions 28 and 29 . This limitation does not apply to other items that are personal property or household contents usual or incidental to the occupancy of the building as a resi-dence. For other limitations under the Standard Flood Insurance Policy , see the current policy or contact a property insurance agent or broker.
Forms contain complete definitions of the coverages they provide.
Also covered are losses resulting from flood-related erosion caused by waves or currents of water activity exceeding anticipated cyclical levels, or caused by a severe storm, flash flood, abnormal tidal surge, or the like, which result in flooding, as defined. Coverage is provided for foundation elements, including posts, pilings, piers, or other support systems for elevated buildings. Coverage also is available for basement and enclosure utility connections, certain mechanical equipment necessary for the habitability of the building, such as furnaces, hot water heaters, clothes washers and dryers, food freezers, air conditioners, heat pumps, electrical junctions, and circuit breaker boxes. Finished structural elements such as paneling and linoleum, and contents items such as rugs and furniture are not covered. The SFIP has a complete list of covered elements and equipment.