| Many homeowners mistakenly think that having | | | | when an overflowing body of water goes on to land |
| homeowners insurance will also cover potential flood | | | | that is normally dry. This flooding must be temporary, |
| damage. Unfortunately, that is not true. Purchasing | | | | not long term. It also must affect more than just your |
| flood insurance would be the best coverage for those | | | | property. So, the flooding must at least spread to |
| kinds of situations. It is also important to get flood | | | | another building or neighbors. Even if a river overflows |
| insurance immediately because there is a thirty day | | | | and goes on to your property to damage your house, |
| waiting. It is important to get the insurance once buying | | | | heavy rain goes into the basement due to soil being |
| a home as opposed to waiting for the weather to | | | | unable to take in the water as quickly as necessary, or |
| make life even harder. | | | | a mud slide that comes into the home that is due to a |
| There are two insurance policies that are needed to | | | | flash flood or heavy rain. |
| help with water damage. As a homeowner you will | | | | Flood insurance is the only coverage that can cover |
| need both a homeowner's insurance policy and a flood | | | | flood damage. If you are unsure whether or not you |
| insurance policy. This is because there will be losses | | | | are on a flood plain then please call the county planning |
| that are covered by one or the other. By not having | | | | office in your area. It is important to have flood |
| both there will be both suffering financially and having | | | | insurance especially if on a flood plain. |
| to suffer with the water damage of the home. This | | | | Homeowners insurance may not cover flood damage |
| could even mean having to leave the home for a long | | | | but it does cover other water damage. Water |
| time. | | | | damage is defined differently than flood damage is. As |
| By doing important research ahead of time to know | | | | opposed to how the water has to actually touch the |
| what kind of damages and losses can happen then | | | | ground with flood damage, that is not the case with |
| you can make an informed and smart decision on | | | | water damage. This could be from a hailstorm that |
| which insurance policies you need. It is important to ask | | | | breaks open a home window and then the water |
| the insurance agent what benefits are outlined per | | | | from the weather damages the home. It could be from |
| policy they have to offer. This will allow for you to pick | | | | a leak in your home's roof or even a broken water |
| the perfect policy suitable to your needs. They are | | | | pipe that sprays water to damage the home. |
| there to answer all of your questions, no matter how | | | | There are many other reasons that it is necessary to |
| small or big they are. | | | | have homeowners insurance such as theft, explosions, |
| Flood insurance provides coverage up to a certain | | | | or fire. Having both of these policies at the same time, |
| amount dependent upon the policy. Most policies stick | | | | at all times is most important just in case disaster |
| strictly to the definition of a flood. This means that it is | | | | strikes. |