| Flooding can happen at any moment and for any | | | | happen outside of your home. Having your home fully |
| reason. Mother Nature can run her course and create | | | | protected is the only sure way to feel comfortable and |
| flood conditions or a water main may break. At any | | | | have peace of mind if the event does occur. |
| rate, no matter how it happens, if you experience | | | | Flooding causes all kinds of damage. You have to deal |
| flooding within your home it is stressful, worrisome, and | | | | with contamination, mould, sanitation, water damage to |
| hard to deal with. At the same time, you have the | | | | property and content rotting, and so much more. While |
| question is flood damage covered by my home | | | | flooding itself can be hectic, if the work is not |
| insurance? | | | | performed properly, it can cause a great deal of |
| The one thing you want to understand is that in most | | | | trouble for you in the future as well. |
| cases, flooding is not covered on general home | | | | In other words, to really know if your home insurance |
| insurance. You may see clauses that state water | | | | covers this type of damage, you want to contact your |
| damage, but essentially, flooding by acts of God or | | | | insurance agent. Talk with him or her and ask them if |
| manmade items are not covered. It is truly very | | | | flooding is included in your coverage. Unless you |
| important to understand your policy and discuss | | | | specifically asked for it and it is a part of your premium |
| options with your insurance agent to be sure that you | | | | that you pay each month, it is highly likely that you are |
| have the coverage you need. | | | | not covered. |
| Far too often, many people go through thinking they | | | | If you are not covered, talk with your agent about |
| have what they need, regardless of the | | | | coverage. Ask what is included, what is not, and how |
| circumstances. However, as with many instances | | | | much it will add to your premium. Flood damage |
| within the last few years, people find out, the hard | | | | coverage is one of the many things you will need to |
| way, that they in fact did not have coverage for flood | | | | fully protect your home and your belongings. It gives |
| damage. Most insurance companies offer flood | | | | you added peace of mind, knowing that if a flood does |
| coverage, in fact all of them offer it, however, it is an | | | | occur, you are protected and have the means to |
| additional policy, an additional source of coverage that | | | | cover the cost of repairs, drying, and replacement if |
| will increase your premium. | | | | need be. |
| It is important to talk with your insurance agent and | | | | Does your home insurance cover flood damage? Call |
| discuss flood coverage. You might think that you live in | | | | your agent today and find out, if not, make sure you |
| a relatively safe area, free of major flooding, however, | | | | add it, just to be on the safe side. |
| you cannot control Mother Nature or events that | | | | |