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Voluntary flood insurance policies are not enforced until 30 days after purchase.
Overflows from sewer systems or sump pumps are not considered a flood unless a flood has caused the backup and overflow.
Flood damage is not typically covered by a homeowners insurance policy.
There are some homeowner endorsements that will cover a back-up or overflow of sewers or drains or a sump-pump. These type losses sometimes do occur during flooding events. These endorsements will often have dollar limits substantially less than the flood policy