An early spring thaw can produce large amounts of runoff in a short amount of time. Because the ground is still frozen, water cannot be reabsorbed. The water runs off the surface and flows into lakes and rivers, causing excess water to spill over the banks.

Floods can happen almost anywhere, so be prepared! According to the National Flood Insurance Program (NFIP), even one inch of water in your home can cause up to $7,800 in damage. Flooding is NOT covered in a standard homeowners, renters or business insurance policy.

NOTE: Flood insurance does not go into effect immediately. Most flood insurance policies have a 30-day waiting period.

What does flood insurance cover?

• Flood damage to your home's structure, including damage to the furnace, water heater, air conditioner, etc.
• Flood damage to your furniture, rugs, appliances, and clothing.
• Expenses you incur to protect your home against imminent flood damage by sandbagging or other measures.
• Clean-up costs including debris removal

<<Return to Personal Insurance Services