**Definition of Flood:**
According to the National Flood Insurance Program (NFIP), a flood is a general and temporary condition of partial or complete inundation of normally dry land, which can result from various causes:
- Overflow of inland or tidal waters
- Unusual and rapid accumulation or runoff of surface waters from any source
- Mudflow (excluding landslides, slope failures, or similar events)
- Collapse or subsidence of land along a body of water due to erosion or undermining caused by water currents exceeding expected levels.
**Making a Flood Insurance Claim:**
To file a flood insurance claim, follow these steps:
1. **Compile Invoices:** Gather invoices from appliance repairs, including serial numbers.
2. **Provide Repair Receipts:** Supply receipts for repairs made after previous flood losses.
3. **Separate Damaged Items:** Differentiate between damaged and undamaged property.
4. **List Damaged Belongings:** Create a list of damaged belongings if you have contents coverage.
5. **Document Damages:** Take photos or videos of damaged property before moving it.
6. **Contact Your Insurance Company:** Get in touch with your insurance company or agent to initiate the claim process.
7. **Assessment and Adjustment:** A claims adjuster will assess the damage and determine coverage.
8. **Claim Review:** Your claim will be reviewed, and a coverage determination will be made by your flood insurance carrier.
9. **Payment:** If your claim is approved, you'll receive a payment for the covered damages.
It's important to note that your flood insurance policy has certain limitations and exclusions. Refer to your policy for specific details about coverage, exclusions, and the claims process.
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