Spring rains can be refreshing and renewing, but they also can be torrential and destructive. Melting snow and spring rains mean that there can be a lot of water accumulating, which can cause flooding—even in areas that haven’t been prone to flood in the past.

We want you to know that a standard homeowners policy will protect your home and your property in the event of theft, fire and similar damage. However, homeowners policies exclude water damage caused by flooding or mudslides. So, you will need additional coverage.

Don’t panic. You can purchase a National Flood Insurance Program policy to cover your losses should a flood occur. However, keep in mind, there is 30-day waiting period before NFIP coverage goes into effect. So, the time to think about this type of insurance is now.

In addition to making sure you have the necessary insurance policies, make sure you also have the supplies on hand that will help you weather any storm. These include the following: battery-powered radios and flashlights, water, nonperishable food, first-aid supplies, plywood, security fencing, tarps, mops and sandbags.

The perfect time to prepare for a disaster is well before it happens. Call our agency today. We are happy to review your insurance policies with you to make sure you have the coverage you need when you need it.

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