Do You Need Flood Insurance?

Flooding is the #1 naturally occurring  disaster in the United States.  It is important to have your home covered against the natural disasters that are most likely to affect your property.  Know what your basic homeowner’s insurance policy covers regarding flooding, then assess whether, given your circumstances, you require more.  Most standard homeowner’s policies do not cover damage caused by flooding, and such damage can be extensive and expensive.  To put it simply, homeowner’s policies typically cover water falling from the sky…rain, melting snow.  Flood insurance covers water rising from the ground…swollen creeks, rivers, etc.  Know that even with flood insurance, finished basements still pose a coverage issue!  Of course, your best source for information is your homeowner’s insurance policy agent, but a good read to get started on informing yourself is Claudia Buck’s article for, How Well Are You Insured Against Flooding?.

To protecting your home & finances~                                                                   Rosemary, Atkinson-Thompson Group  


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