Flood insurance covers direct losses caused by surface flooding, including a river flowing over its banks, a lake or ocean storm, and local drainage problems.
(Flood insurance; covers; direct losses caused by surface flooding, including a river flowing over its banks, a lake or ocean storm, and local drainage problems) (direct losses; caused; by surface flooding) (a river; flowing; over its banks)
Flood insurance direct losses a river
covers caused flowing
direct losses caused by surface flooding, including a river flowing over its banks, a lake or ocean storm, and local drainage problems
by surface flooding
over its banks