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Emergency preparedness

Evaluate Your Need for Flood Insurance

Flooding is not covered in a standard homeowners, renter’s or business insurance policy and between 20 and 25 percent of all flood insurance claims come from low-risk areas. The Department of Insurance, Securities and Banking offers this information to help you get smart about your flood insurance options.

There is typically a 30-day waiting period on new flood insurance policies. Remember, not all water damage is considered “flooding.” Check with your insurance company about other coverage such as sewer/water back-up as part of your homeowners policy.

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