Which types of items are not insured under a flood policy?

A flood policy specifically covers direct physical damage to insured structures and personal property as a result of flooding, but there are certain exclusions within the coverage. Loss of use and business interruption typically refers to the financial impact of being unable to use a property for its intended purpose due to damage or loss, which is not a direct physical item and is therefore not covered under a flood insurance policy.

In flood insurance policies, insured items typically include buildings and personal property that are within the structure and subject to flood damage. Items such as trees and shrubs may have limited coverage under specific circumstances but are often excluded from standard coverage, emphasizing that the focus of flood policies is on physical damage to structures and essential belongings rather than the operational impacts of loss or inability to utilize a property. Thus, loss of use and business interruption remains an exclusion because it pertains more to operational and financial losses rather than the physical assets insured by the policy.