| cl | | | | ordinary coverage and odd coverage instances. |
| House insurances do not cover everything, as some | | | | 1. Flood Water Damages: Damages resulting from |
| homeowners believe. Under a homeownerâs | | | | floodwaters are not covered under the standard |
| policy, the coverage as well as the exclusions are | | | | HO-1 through 5 policies. This makes it necessary for |
| stated. In filing a claim, homeowners must look into | | | | homeowner living near bodies of water such as |
| such details to determine if purchasing a special or | | | | oceans, lakes, and rivers to contact their agents and |
| additional coverage for excluded events is necessary. | | | | purchase a policy covering flood insurance. Typically, |
| Below are situations pointing out some events that | | | | HO-1 also excludes water damage coming from |
| are covered as well as those that are excluded under | | | | sewer back up. Additional coverage for such instance |
| the standard HO-1 through 5 policies. Certain | | | | can be purchased separately. |
| examples are included to show issues under an | | | | |