Which of the following is NOT included in a standard flood insurance policy?

A standard flood insurance policy typically includes specific coverage forms for properties affected by flooding, such as the dwelling form, general property form, and residential condominium building association policy form.

The dwelling form covers residential properties and provides coverage for the building and its contents. The general property form includes coverage for non-residential buildings and their contents. The residential condominium building association policy form is specifically tailored for condominium associations and addresses coverage for the building and common areas.

On the other hand, a loss of use form is not a standard component of flood insurance policies. While loss of use coverage may be available in certain policies or endorsements, it is not a default part of what a standard flood insurance policy includes. Thus, it is not considered part of the primary coverage provided under a standard flood insurance policy, making it the correct choice for what is NOT included.