A situation in which a building (commercial or residential) has been flooded internally, i.e. water has crossed the threshold and entered the building. This includes;.

• Basements and ground level floors of the building;
• Garages/outbuildings if they are integral to the main occupied building. Garages adjacent or separate from the main occupied building are not included;
• Occupied static caravans and park homes. Tents are not included.