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Flood Insurance
Flood insurance is a type of insurance policy that provides financial protection against damage caused by floods. Floods are defined as temporary overflow of water from a natural watercourse, lake, or ocean that affects two or more properties or is usually due to heavy rainfall, snowmelt, or coastal storm surges. Flood insurance is usually a separate policy from homeowners insurance and is required by lenders in designated flood zones. Flood insurance policies typically cover damage to the structure of the home, personal property, and additional living expenses if the home becomes uninhabitable. The coverage options and limits may vary depending on the location of the home and the insurance provider.
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