Final answer:
The national flood insurance policy generally does not cover water damage specifically resulting from a sewer backup. However, there may be additional options available for insurance against this type of damage. Other referenced topics include flood recurrence likelihood, critique of government spending during disasters, and the nature of lightning and insulators.
Step-by-step explanation:
The national flood insurance policy typically does not cover water damage that is a direct result from a sewer backup. That means, in general, if the damage to your property is caused by water backing up through a sewer line, this would not be covered under a standard national flood insurance policy. There may be additional endorsements or separate policies that you can purchase to specifically cover sewer backup.
Concerning the questions provided as reference information:
- Flood recurrence: Yes, it is possible for a flood with a similar discharge to the event from 9/23/2009 to happen again in the next 20 years. Flood probability is based on historical data but does not guarantee that similar events will or will not occur within a specific time frame.
- Government funding and natural disaster response: Criticism regarding the use of government funds is often a point of discussion following significant events such as natural disasters, as seen with the contrasts made between the funding of the war in Iraq and the inadequacy of New Orleans' levees during Hurricane Katrina.
- Lightning and insulators: True, although wood is an insulator, lightning can travel through a tree to reach the Earth because lightning is a powerful electrical discharge that can overcome the resistance of many materials, including wood.