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What flood insurance does and does not cover

Oftentimes insurance doesn’t cover what the policy holder thinks it does — or thinks it should.

People search along the Guadalupe River after flooding in Kerrville, Texas on Wednesday , July 9, 2025. (AP Photo/Gerald Herbert)
People search along the Guadalupe River after flooding in Kerrville, Texas on Wednesday , July 9, 2025. (AP Photo/Gerald Herbert)
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Often insurance doesn’t cover what the policy holder thinks it does.

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