After our recent storm, a lot of people are interested in getting flood coverage to make sure their homes are safe from rising waters. This is a good idea, but it’s important to note that your flood policy takes 30 days to go into effect. Buying flood coverage today won’t protect you from tomorrow’s storm.
Another misconception we’ve come across is that flood insurance is only for individuals that live in a flood zone. This is not true! If you live in a non-flood zone, you still can, and should, be protected by flood insurance!
A friend of Barber recently suffered a great deal of damage to her home, which was not located in a flood zone, because neighboring debris blocked the flow of water, and consequently flooded her house with several inches of water. This would have been covered by flood insurance!
One last clarification we’d like to make for you is in regards to the frequently asked question, “If my washing machine overflows, does that count as flood damage?” The answer is no! Flood means rising water from the outside, whereas a washing machine incident could be considered sudden and accidental water damage on the inside of the home, and may be covered by your home insurance policy, depending on the circumstances.