This is not an exhaustive list, but common disasters not covered in this policy include:
- Events in which there is not a state or federal disaster declaration for the county where your property is located
- Damage to your property that does not exceed $1,000, even if a disaster is declared in your area (eg. if the home you rent is severely damaged, but you suffered only minimal losses not exceeding $1,000, you won't receive a payment)
- Fresh-water flooding, regardless of cause
- Landslides
- Tsunamis
- Hail
- Straight-line winds or wind-shears outside the known path of a covered peril
- Damage to mobile or manufactured homes, because they are typically classified as personal property, not real estate
- Events that occurred inside of the 14-day waiting period from the time you enroll (eg. you sign up for coverage knowing a hurricane will make landfall in three days; you won't be covered for the storm surge from that storm)