Flood insurance covers specified loss from flooding according to the policy's definition. Surface water, river overflow, storm water, and gradual seepage may receive different treatment. Protection can be purchased separately or included through an endorsement to property insurance, depending on the market.
For homes or businesses near Nepalese rivers, review the insured location and storage arrangements carefully. Raising stock above floor level can reduce risk but does not expand coverage. Check whether debris removal, damaged machinery, and interruption of operations are covered alongside physical flood damage.