Embry-Riddle Aeronautical University Prescott: Does standard Arizona homeowners insurance cover flood damage?
DIRECT ANSWER
Source guidance recorded on 2026-10-15. Confirm the applicable policy year, cohort and property jurisdiction before relying on time-sensitive facts.
DIFI states that flood damage is excluded from standard homeowners policies and requires separate flood coverage.
Sources & verification
- difi.az.gov source-backed-recovered-record
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