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5Mr. Ferrell, Jamie Lee and Rosss insurance agent, suggested a flood insurance policy in addition to their regular homeowners policy. Jamie Lee and Ross looked

5Mr. Ferrell, Jamie Lee and Rosss insurance agent, suggested a flood insurance policy in addition to their regular homeowners policy. Jamie Lee and Ross looked quizzically at the agent, as they do not live within 2 miles of a body of water. What is the basis for Mr. Ferrells claim for the necessity of the flood policy?

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