Springtime is prime time for flooding. Snowmelt, rainstorms and mudslides all can cause flood damage, and unless you have flood insurance, you are not covered for these potential catastrophes. Generally, coverage provided by a standard homeowners policy does not include damage caused by flooding or mudslides. This type of damage could be extremely destructive to your property and without the proper insurance coverage, you could also face great financial loss. Floods can happen anywhere, anytime—not just near the coast, lakes and rivers.

Prepare yourself for flooding by heeding storm warnings and weather alerts, and be sure to follow evacuation procedures such as boarding up windows, shutting off utilities and preparing an emergency kit ahead of time that contains items such as food and water, a can opener, clothing, blankets, flashlights, first-aid supplies, a battery-operated radio and extra batteries.

Of course, no preventative measures offer complete protection. The best defense always will be the right insurance coverage. And, while many people think homeowners insurance will pay for flood repairs, it does not. Flood insurance typically has a 30-day waiting period before coverage goes into effect. As your professional, insurance agent, we want to remind you that the time to purchase flood insurance is sooner rather than later. Therefore, if you are concerned that your home may be at risk for flood damage, give our office a call today, before it’s too late!