Kimp the Shrimp said:
floods are usally NOT COVEREd
Floods aren't unless he has flood insurance. However, there is FEMA and they help out in cases where floods strike.
Depends on the company.
He'll have to check with his agent to see how that works out.
Honestly, I work for Allstate and I know that unless there IS flood insurance there is slim-to-none possibility that Additional Living Expenses would pay out; however, he can hopefully fall back on FEMA.
After all, how often has NJ ever really flooded? Y'know? FEMA should be involved there somewhere.