If a house is destroyed due to the collapse of the land it is built on, and the collapse is due to waves or currents of water, that would be considered a flood and would be covered.
Voluntary flood insurance policies are not enforced until 30 days after purchase.
Flood damage is not typically covered by a homeowners insurance policy.
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Overflows from sewer systems or sump pumps are not considered a flood unless a flood has caused the backup and overflow.