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<p>[QUOTE=&quot;doug444, post: 1918960, member: 38849&quot;]That&#039;s not exactly right.&nbsp; From the government website, <a href="http://www.floodsmart.com" target="_blank" class="externalLink ProxyLink" data-proxy-href="http://www.floodsmart.com" rel="nofollow">www.floodsmart.com</a> --</p><p><br /></p><p><font size="6"><b>Whats Covered</b></font></p><p><br /></p><p>Flood insurance policies cover physical damage to your property and possessions. You can use the following list as a general guide to what is and isn&#039;t covered or simply refer to the <a href="https://www.floodsmart.gov/floodsmart/pdfs/NFIP_Summary_of_Coverage.pdf" target="_blank" class="externalLink ProxyLink" data-proxy-href="https://www.floodsmart.gov/floodsmart/pdfs/NFIP_Summary_of_Coverage.pdf" rel="nofollow">Summary of Coverage</a> (PDF 108K) to help you better understand your policy and coverage.</p><p><br /></p><p><img src="https://www.floodsmart.gov/floodsmart/images/residential_coverage/whats_covered/building-property-title.png" class="bbCodeImage wysiwygImage" alt="" unselectable="on" /></p><p><br /></p><p>&nbsp;&nbsp; &nbsp; &nbsp;&nbsp; The insured building and its foundation</p><ul> <li>Electrical and plumbing systems</li> <li>Central air conditioning equipment, furnaces and water heaters</li> <li>Refrigerators, cooking stoves and built-in appliances such as dishwashers</li> <li>Permanently installed carpeting over unfinished flooring</li> <li>Permanently installed paneling, wallboard, bookcases and cabinets</li> <li>Window blinds</li> <li>Detached garages (up to 10 percent of building property coverage); detached buildings (other than garages) require a separate building property policy</li> <li>Debris removal</li> </ul><p><img src="https://www.floodsmart.gov/floodsmart/images/residential_coverage/whats_covered/personal-contents-property-title.png" class="bbCodeImage wysiwygImage" alt="" unselectable="on" /></p><p>Personal belongings, such as clothing, furniture and electronic equipment</p><ul> <li>Curtains</li> <li>Portable and window air conditioners</li> <li>Portable microwave ovens and portable dishwashers</li> <li>Carpets that are not included in building coverage</li> <li>Clothing washers and dryers</li> <li>Food freezers and the food in them</li> <li>Certain valuable items such as original artwork and furs (up to $2,500)</li> </ul><p><img src="https://www.floodsmart.gov/floodsmart/images/residential_coverage/whats_covered/whats-not-covered-title.png" class="bbCodeImage wysiwygImage" alt="" unselectable="on" /></p><p>Damage caused by moisture, mildew or mold that could have been avoided by the property owner</p><ul> <li>Currency, precious metals and valuable papers such as stock certificates</li> <li>Property and belongings outside of an insured building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs and swimming pools</li> <li>Living expenses such as temporary housing</li> <li>Financial losses caused by business interruption or loss of use of insured property</li> <li>Most self-propelled vehicles such as cars, including their parts (see Section IV.5 in your policy)</li> </ul><p>[/QUOTE]</p><p><br /></p>

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