Did you know that most homeowners insurance policies do not cover flood insurance? You could be faced with thousands of dollars worth of damage to your home due to flood that you would have to pay yourself without a flood policy. Even if you don’t live near the water, your home could be subject to flooding due to rain storm, snow melt, or other causes.

Federal Emergency Management Agency (FEMA) defines flood as:

“A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from:

Overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters from any source, mudflow, collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.”

Flood insurance policies are administered through FEMA and may be purchased through the Vern Fonk agency. Most home policies will cover water damage from a burst pipe but not flood. Get a flood policy quote today.