Have you checked your homeowner’s policy for flood coverage? You may be surprised to find that floods are not typically included in homeowner’s coverage unless you elected to purchase separate flood insurance. In some areas, flood insurance is required by the lender. However, you never want to wait until water is pouring into your basement to discover that you’re not covered! Floods caused by anything outside of your home will not fall under your existing coverage, even if they damage your foundation or ruin your personal property. Homeowners everywhere should consider adding flood insurance to their existing policy as we begin to see more natural disasters caused by unpredictable weather patterns.
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