Direct answer
No, standard home insurance policies in Florida explicitly exclude flood damage caused by rising water, which requires a separate policy through the National Flood Insurance Program or a private carrier.
Florida Office of Insurance Regulation consumer guidelines regarding homeowner policy exclusions. For additional information about how standard policies typically exclude flood damage, see the FEMA FloodSmart website.
What this means for you
No, standard home insurance policies in Florida explicitly exclude flood damage caused by rising water, which requires a separate policy through the National Flood Insurance Program or a private carrier.
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