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The Independent UK
The Independent UK
National
Sally Ho

What flood insurance does and does not cover

Texas Floods-History - (Copyright 2025 The Associated Press. All rights reserved.)

Though natural disasters cycle across seasons and regions in the U.S., it’s often a shocking discovery for property owners how expansive and expensive flood and water damage can be when a major storm devastates their homes, businesses and communities.

That’s because oftentimes insurance doesn’t cover what the policyholder thinks it does — or thinks it should.

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