 TITLE: What Does Flood Insurance Cover? CONTENT: You don't have to live near a dam or a major river to be at high risk of being affected by a flood. Floods, by definition, affect an area of land that would usually be dry and out of the way of the normal flow of water. High flood risk areas are often known for extreme rain and snow, could be densely populated with limited drainage, are near a body of water or reside in a geographic low spot.\nHere's what you can generally expect flood insurance to cover:\n*   Loss from waves, severe storms and flash floods\n*   Damage to appliances, electronics and other personal property inside your home\n*   Repair costs for the walls and the foundation of your home\nNote that you'll need to buy separate policies to protect the physical structure of your home and your belongings inside the home. Additionally, a flood insurance policy may not protect you against every loss you incur due to a flood. Here are some of the circumstances and expenses that might not be covered:\n*   Damage caused by shifting soil\n*   Property destroyed outside of your home, such as trees, swimming pools, vehicles and septic systems\n*   Relocation expenses during your home repair\n*   Sewage backup that isn't directly caused by flooding\n*   Destroyed documents or money END