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Mysterious_Nerve9433 t1_j28dt29 wrote

You buy flood insurance. Later on, you left the bath tub running and your overflow wasn't working properly and water runs over the tub and all over your house for a few hours.

Flood insurance is going to deny your claim here.

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Ok_Ruin4016 t1_j29opu0 wrote

Because flood insurance is usually a catastrophe policy that is sold or subsidized by the Federal Government for flood water damage caused specifically by a natural disaster and causing massive damage to a large area and many residents. It's not meant to cover your overflowing bathroom

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