What does Flood Insurance specifically exclude from its coverage?

Flood insurance does indeed specifically exclude certain types of property from its coverage, and docks, piers, or wharves are among those exclusions. The rationale for this exclusion is that these structures are often considered to be parts of the water body itself rather than land-based property. Therefore, they are not covered under typical flood insurance policies which focus on damage to buildings and personal property in the event of a flood.

In the context of flood insurance, residential homes and commercial buildings are generally covered, provided they meet the criteria of the policy. Landscaping and gardens, while often damaged in a flood, are also typically excluded as they are seen as part of the overall landscape rather than a structure, but docks, piers, or wharves have a more definitive exclusion status due to their nature and purpose. Understanding these exclusions is crucial for property owners to ensure they have the appropriate coverage and to mitigate any gaps in their insurance protection.