Which of the following losses is typically EXCLUDED from a standard homeowners policy?

Flood is the most commonly tested homeowners exclusion. Standard homeowners policies (HO-3 and similar) EXCLUDE: flood (rising water from any external source — rivers, storm surge, surface water); earthquake (earth movement); sewer/drain backup (unless endorsement purchased); wear and tear; intentional acts; power failure off premises. Flood coverage requires a separate NFIP (National Flood Insurance Program) policy or private flood insurance. Many homeowners discover this exclusion only when they file a flood claim and are denied.