Invest in flood insurance coverage before there is a risk of flooding. Most flood coverage requires a 30-day waiting period before it is effective. Exceptions include the purchase of a new home. Floods can occur anywhere, even outside high-risk flood zones. Most homeowners policies will not cover damages caused by flooding.

Flood insurance protects from severe water damage caused by heavy rain, melting snow, and storms. You may be required to purchase flood insurance from your lender, or you may want extra protection for your property. Johnson Insurance Services, Inc. can help determine if a flood insurance policy is right for you.

90% of all-natural disasters in the United States involve flooding, and flood damage frequently strikes in low or moderate-risk areas. No home is entirely safe from the possibility of flooding. Unexpected water damage can cost a lot of money to repair your home or property. According to the Federal Emergency Management Agency (FEMA), just one inch of water can cause up to $25,000 in damage. In some cases, flood insurance can mean the difference between recovery and financial ruin.

Consider buying a flood insurance policy to protect your home and belongings from the unexpected.