A flood can happen anytime, anywhere.

By Bill Bergner

A flood can happen anytime, anywhere. All 50 states experience some type of flooding, even in low risk areas. Just a few inches of water can damage your home and your personal belongings. A severe flood could destroy a home and all its contents. You can prevent a major financial loss with flood insurance.

Many people do not realize the standard renter’s or homeowner’s insurance policy does not cover damages caused by floodwaters. If your community participates in the National Flood Insurance Program (NFIP), you can purchase a flood insurance policy from the federal government or a participating insurance agency.

Flood policy coverage might include financial recovery from:

  • Personal property damage
  • Mechanical and structural damages to the building
  • Debris removal

Hurricanes, winter storms and snowmelt are often overlooked causes of flooding. Don’t wait for inclement weather to consider additional protection for your home. Flood insurance policies have a 30-day waiting period before coverage takes effect. Discuss your options with an insurance agent today.


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