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5 Flood Insurance Tips You Need to Know

Insurance

What is Flood Insurance?

Flood insurance is specific insurance that covers damage to your property from flooding. It is provided by the federal government through the National Flood Insurance Program and is secured by private insurance agents, like the one who sold you your homeowners’ policy. Flood insurance is not for water damage from burst pipes or the washing machine overflowing. For that, your basic homeowners’ insurance will do.

Most folks assume that if their property is not low-lying or shoreline, they don’t need flood insurance. They’ll reference topographical maps looking for elevation risks and bodies of water but flooding is caused by many different factors. The rapid thawing of snow in spring, especially when accompanied by rain, can cause a flooding situation. Periods of heavy rain and hurricanes can, as well. And something few think of is that since wildfires change the landscape and soil conditions, flooding occurs when fires are followed by heavy rains. Interestingly, 20% of all flood claims come from homes outside of high-risk areas, according to FEMA.

One of the primary reasons for burst pipes is freezing. Here’s how to prevent your pipes from freezing. And here’s what to do if you do have a burst pipe.

https://www.familyhandyman.com

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