While flood insurance provides essential coverage for damage caused by flooding, some types of losses and damages are generally not covered by flood insurance policies. The following are some examples:
Damage to personal property outside of an insured building, such as cars, landscaping or swimming pools
Loss of income or business interruption due to flooding
Damage caused by moisture, mildew or mold that could have been prevented by proper maintenance or repairs
Currency, precious metals and valuable papers such as stock certificates or bonds
Losses resulting from earthquakes, landslides or other earth movements
Additional living expenses incurred while the home is uninhabitable due to flooding
Damage to underground structures such as basements or crawl spaces