Overflows from sewer systems or sump pumps are not considered a flood unless a flood has caused the backup and overflow.
Collapse or subsidence of land and the insured house, along a shore of a body of water caused by waves or currents of water are considered a flood and are covered by this policy.
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.
There are many things that you can do to protect your home and personal property. Click here to find out more.
Voluntary flood insurance policies are not enforced until 30 days after purchase.