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It's your agent's job to explain. Ask to be read the place in the policy that disallows this specific claim. Take your policy in to their office.

Don't know... maybe the agent thought you were flooded, which would be why they would want pictures, I would guess?
I don't like insurance companies, period. My experience is that they deny claims...

I've never had renter's insurance, but no HO policy I ever had covered food lost during a power outage. (I have no knowledge of the Emergency Act.)