Did You Know? Standard Home Insurance Doesn't Cover Floods

Flooding is one of the most common and costly natural disasters in the country — yet a standard homeowners policy typically does not cover it. That includes water that rises from the ground: overflowing rivers and creeks, heavy rain that pools, and storm surge.

Just one inch of water in a home can cause thousands of dollars in damage. And you don't have to live next to a river to be at risk — a large share of flood claims come from areas considered low-to-moderate risk.

The good news is that flood coverage is available separately, and it's worth understanding your options before a storm rather than after. If you're not sure whether your home is protected, give us a call and we'll walk through it with you.