A flood implies moving water, meaning a river / stream / overflowing its banks from hurricanes and other NWS classified events. Insurance companies do use weather classifications for damage payout validation
Rising standing water implies a thunderstorm stuck over your house for two days, like what happened in Ft Lauderdale recently, and the drainage system is not adequate for that much water, like 23 inches in a two day stretch. .
ask specifically about other insurance offerings for water damage. .
what's the difference between your house and swampland?
about 2 feet of dirt. .
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