Standard flood insurance policies—such as those administered through the National Flood Insurance Program or private flood endorsements—specifically cover direct physical losses to your building's structure and its foundation. This includes damage to electrical and plumbing systems, furnaces, water heaters, central air conditioning equipment, built-in appliances, flooring, and permanently installed cabinetry. Additionally, separate contents coverage can be purchased to protect personal belongings like clothing, furniture, and electronic equipment situated within the insured property, provided the water damage meets the technical definition of a general and temporary flood.
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