Flood is excluded from standard home policies
Flood is excluded from every standard California home policy, which is why this is a separate placement. Coverage comes either through the National Flood Insurance Program or from a private carrier, and the two differ on limits, replacement cost, and how quickly they can bind. Both carry waiting periods, so this is not a purchase to make when rain is already forecast. Post-fire burn scars raise the exposure for several seasons even where the flood maps have not caught up.
