Standard home and property insurance policies across most international jurisdictions explicitly exclude damage caused by floods, storm surges, and tsunamis. However, a dedicated flood insurance policy—such as those backed by the National Flood Insurance Program (NFIP) in the United States or equivalent private market programs—does cover coastal flooding and inundation caused by a tsunami. It is important to note that while flood insurance covers water damage from the wave itself, structural destruction caused directly by violent seismic shaking requires separate earthquake coverage.
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