Final answer:
An NFIP flood policy typically covers direct physical damage to the insured property resulting from floods, including appliances inside the dwelling. It does not cover loss to money or securities, loss of business income, or additional living expenses incurred due to a flood.
Step-by-step explanation:
An NFIP (National Flood Insurance Program) flood policy generally covers to the insured property resulting from floods. However, there are specific details regarding covered and excluded items in such policies. According to NFIP guidelines, Item D, 'flood loss to appliances inside the dwelling' would typically be covered under a residential flood insurance policy. It is important to note that this coverage includes appliances such as refrigerators, cooking stoves, and built-in dishwashers.
On the other hand, Item A (loss to money or securities), Item B (loss of business income), and Item C (additional living expenses) are not covered by the standard NFIP flood policy. Therefore, NFIP does not cover these losses, which could be significant depending on the extent of the flood damage.
In essence, when considering NFIP flood insurance, it is crucial to understand the specifics of the coverage, including what is and is not included, to ensure proper protection against potential flood damage to property.
direct physical damage