Texas Adjuster Practice Test

Which of the following is NOT a section included in the Flood Policy?

1. Dwelling

2. Contents

3. Liability

4. Debris Removal

The correct answer is: Liability

The Flood Policy is designed primarily to offer coverage for damages resulting from flooding, and it encompasses specific sections that directly relate to property coverage. The sections included in a standard flood policy typically cover the dwelling itself, the contents within the dwelling, and necessary expenses for debris removal after a flood event. Liability coverage, however, is not a component of the Flood Policy. Flood insurance focuses on tangible property loss and damage, rather than liability for injuries or damages to others that may occur on a property. This is why liability is the correct answer as the section that is not included in the Flood Policy. Understanding this distinction is critical for adjusters and policyholders when assessing coverage needs and responsibilities in the event of flooding.