A Word on Floods

Although it may not get as much news coverage as disasters like earthquakes and hurricanes, flooding is the nation's #1 natural disaster, affecting hundreds of thousands of Americans every year. Whether a flood washes away your home or simply ruins your basement, it's important to know where you stand with your insurance when the flood gates open (so to speak).

Most standard property policies don't cover flooding, it is typically sold as a separate piece of insurance. Many people assume that flooding is only an issue for those who live on the coast or border a major lake or river. Flooding, however, can happen almost anywhere. Major snowstorms late in the year followed by a rapid rise in temperatures can often cause small creeks and streams to swell beyond their banks. Add in the spring rains that are so common in this area, and almost anyone could be at risk. While floods in our area are typically not life-threatening, small amounts of water can do a lot of damage to your home and personal property.

Feel free to call one of our agents for some more info on flood insurance, or go to our website and check out some free videos that discuss the topic further.