As we move into the fall season, so does the risk of severe weather. From sudden thunderstorms to flash floods, storms can wreak havoc on homes and businesses—especially in areas prone to heavy rainfall and coastal surges. While homeowner’s insurance covers many types of damage, flood coverage is often excluded, leaving many policyholders vulnerable.

Summer storms are unpredictable. A single downpour can overwhelm drainage systems, turning streets into rivers and basements into swimming pools. Just one inch of floodwater can potentially cause thousands of dollars in damage to your home. And yet, many homeowners and renters mistakenly believe their standard homeowner’s insurance covers flood damage.

What Homeowner’s Insurance Covers—and What It Doesn’t

Typical homeowner’s insurance policies cover:

• Wind damage
• Hail
• Lightning strikes
• Fallen trees

But they do not cover flood damage caused by:

• Overflowing rivers or streams
• Heavy rain accumulation
• Storm surge
• Melting snow

To protect against these risks, you need flood insurance. Even if you live outside a designated special flood zone, you’re not immune.

Flood insurance provides:

• Coverage for structural damage
• Protection for personal belongings
• Peace of mind during storm season

Storms don’t wait for us to be ready. As a property owner, taking steps now to prepare—and ensuring you have the right coverage—can make all the difference when the skies turn dark. Flood insurance isn’t just a policy; it’s a safeguard for your financial future.

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This material is meant for general illustration and/or informational purposes only. Although the information has been gathered from sources believed to be reliable, no representation is made as to its accuracy. The material is not intended to be relied upon as a statement of the law, and is not to be construed as legal, tax or investment advice. You are encouraged to consult your legal, tax or investment professional for specific advice. Not for reproduction.