Flood Insurance

Stay Prepared with Flood Insurance

Flood is never covered under a homeowner’s policy. All flood policies are backed by our federal government and therefore have different regulations from all other policies that are governed by state regulators. An example of federal regulation would be the fact that a flood policy has a 30-day waiting period before it takes effect. For that reason, one should not wait for news of a hurricane or winter storm that’s on its way before buying this coverage.

Even if you don’t live near the coast, flood insurance can be a valuable asset if surface water tends to collect in your neighborhood and threatens to damage your home.

Floods Can Happen to Anyone

  • Don’t wait until hurricane season to decide to buy flood insurance.
  • A flood can strike even if you don’t live near the water.
  • Snow and ice dams often cause more floods than heavy rain.
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