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Do You Need Flood Insurance?

With spring not only do we get warmer temperatures but we also get rain and melting snow. And, until the ground thaws, melting snow and rain can’t be absorbed. Once it melts, the water can result in the overflow of streams, rivers and lakes that flood nearby homes and businesses. All this may lead to flooding.

If you are in an area that may be susceptible to flooding, consider giving us a call to discuss your flood insurance needs.

What is flood insurance?

  • Flood insurance is a special policy that is federally backed by the National Flood Insurance Program (NFIP).1
  • You may buy flood insurance that covers up to $250,000 for flood damage to your home. A standard flood policy will cover structural damage to your home, including damage to your furnace, water heater, air conditioner, floor surfaces (carpeting and tile) and debris clean up.
  • For an additional premium, you also may buy flood coverage for up to $100,000 of damage to the contents of your home due to a flood.
  • Coverage is available up to $500,000 for non-residential buildings and their contents.

The National Flood Insurance Program (NFIP) defines flood to be a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more adjacent properties (at least one of which is your property) from:

  • overflow of inland or tidal waters,
  • unusual and rapid accumulation or runoff of surface waters from any source,
  • mudflow, or
  • collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels

We can help determine if flood insurance is available to you and then help you buy NFIP flood insurance or determine the best options for your property.

Remember to Plan Ahead

It is very important to plan ahead. A flood insurance policy will not go into effect until 30 days after you buy the policy.


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