Could it happen to you?
Are you aware that all homeowner policies exclude flood damage and loss? We are often reminded that floods can occur in every state, and not just in designated "floodplains."  The National Flood Insurance Program records that 25% of all flood claims occur in low-to-moderate risk areas, and the National Weather Service warns that storms in the U.S. are getting more severe.

Please carefully review your situation.
Even if your property is not in a designated floodplain, your home could be subject to rising waters or flooding if unusually heavy rains were to settle over your area.  Unless you purchase flood insurance, you will not be covered.  The good news is that the cost for insurance for low-to-moderate risk areas is relatively low, usually costing less than $1 per day.

The standard flood policy covers:
-Structural damage, utility connections, furnaces, central air conditioners and hot water heaters.
-Household contents, finished walls and floors (these are not covered if located in the basement)
-Debris removal
-$750 coverage for sandbagging and other reasonable expenses you may incur in preparing for a flood

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