| The SFIP provides coverage for direct physical loss by or from flood, which means the SFIP does not pay the policyholder for: |
- Water or water-borne materials that
- Back up through sewers or drains
- Discharge or overflow from a sump, sump pump, or related equipment,
- Seep or leak on or through the insured property, unless there is a flood in the area and the flood is the proximate cause of the sewer or drain backup, sump pump discharge or overflow, or the seepage of water. Note: Water that seeps or leaks on or through the insured property is not insured, e.g., wind-driven rain
- The pressure or weight of water unless there is a flood in the area and the flood is the proximate cause of the damage from the pressure or weight of water
- Power, heating, or cooling failure unless the failure results from direct physical loss by or from flood to power, heating, or cooling equipment on the described location. Note: Power failures occurring off the described location due to flood and causing damage to insured heating or cooling equipment or any other insured property are not insured. If the power is intentionally turned off by the insured, there is no coverage
- Theft, fire, explosion, wind, or windstorm
- Anything the policyholder or any member of their household does or conspires to do to cause loss by flood deliberately
- Alteration of the insured property that significantly increases the risk of flooding
|
