As defined in the National Flood Insurance Program Dwelling Form, a general and temporary condition of partial or complete inundation of two or more acres of normally dry land or two or more properties (one of which is the insured’s) caused by the overflow of the natural boundaries of a body of water or the unusual and rapid accumulation of surface water runoff, or mudflow. Some insurance policies that include flood as a covered peril only insure against damage caused by overflow of the natural boundaries of a body of water, but other policies also may insure against surface water losses.
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(01) Flood is usually defined as “escape” from its normal confine of a body of water, due to a rise in its level, or to the breakdown of the barriers retaining it. The essential ingredients of flood is the rise of water to an abnormal level. (02) Overflow of water from its natural boundaries. More specifically defined as “a general and temporary condition of partial or complete inundation of normally dry land areas from (a) the overflow of inland or tidal waters, or (b) the unusual and rapid accumulation or runoff of surface waters from any source. (03) abnormal, flood related erosion and undermining of shorelines. Flood also means inundation from mud flows caused by accumulations of water on or under the ground as long as the mud flow and not a landslide is the proximate cause of the loss. (04) A flood is an overflow of an expanse of water that submerges land and the property. Flood may be a result of too much rain, excessive melting of snow, breach of canals and ponds etc.