Flood damage is complex because it’s often excluded from standard homeowners' policies unless you have specific flood insurance (NFIP or private). Floodwaters can carry bacteria, chemicals, and sewage—contaminating everything they touch. Unlike minor leaks, floods can destroy flooring, drywall, insulation, and electrical systems, often requiring full replacement. Moreover, prolonged exposure to standing water accelerates mold growth and foundation decay. Proper categorization and separation from standard water damage claims is essential for coverage.