Did you know that your Home insurance does not cover Flood?

We’ve had so much rain this summer and lots of it in a short periods of time.  Rain is terrific for our yards, trees, flowers and to replenish our water supply, but bad for our homes, especially those with basements.   I don’t know if you knew that home insurance does not cover water damage if outside water comes into your home.  Did you see the floods that flowed through Ellicott City in Maryland a month or so ago or the flood currently flowing through a small town near Philadelphia?  Unless those folks have FEMA’s Flood insurance policy, they will not have coverage to repair their damage or replace their personal property!

If you feel that you are in a low lying area that has a potential for lots of flowing water to pour through your yard or stand and fill up your yard, then you may want to look into a flood insurance policy.  If you are in a 100 year, 50 year, 25 year or definite flood zone, you should have been told that when you purchased your home.  Some homes are in areas that are not considered flood zones, however, with changes being made to typography in and around your neighborhoods and homes, can create waterways that can direct water toward your home.  When it is raining hard and water is flowing, look to see where it is going.  If you see that it is flowing through your yard or filling up near your home with a potential to spill over into your yard and home, you need to call your county officials to make corrections.  Another way to combat that is to get a flood insurance quote.  Chris and I can help you.

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