Some insurance policies cover loss to covered property from virtually any cause while others are more limited in scope. A standard National Flood Insurance Program (NFIP) flood insurance policy is a. a multiperil policy that covers floods, mudflow, and earth movement. b. a single-peril policy that covers only the flood peril. c. an all risks policy that includes flood and other perils. d. an endorsement that converts a standard homeowners policy to a multiperil policy