Ultimately it depends on if there is a FLOOD as a result of the cried river. Antd then causation will be an issue. To understand it, you have to keep in your head the difference between cause and effect. An insurance policy specifies what causes it will cover (usually called "hazards" or ?perils?). It also specifies what effects it covers (usually called "loss" or "damage") and which perils and losses are excluded from coverage. Those details are found in various sections of the policy language, such as ?Perils Insured Against? and ?Exclusions"
My guess is that somehow loss and or damages would not be covered due to the fact that what ever CAUSED the river, and hence flood.... is under exclusions.
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