We have been told by a State Farm agent that required flood coverage for properties located in a SFHA is included in the standard manufactured home hazard insurance policy. In the body of the policy under the section of losses insured: "Flood, surface water, waves, tidal water, or overflow of a body of water, or spray from any of these, whether or not driven by wind." seems to cover floods, but does this meet federal flood requirements??? Should the customer have a separate flood policy????
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Semiretired. Working parttime at Historic Westville as a tour guide.