Flood insurance is one of the best ways to protect against financial loss due to flood as it allows homeowners and business owners the ability to recover more quickly and completely. Flood coverage is not included in a standard property policy. Roughly 43% of Americans believe their homeowners insurance covers for flood damage. Unfortunately this is not the case, as homeowners coverage for water damage is specifically limited to instances such as pipe bursts, clogged sewer lines, failed sump pumps & backed up drains. There are options through the NFIP as well as private flood carriers for both homeowners and business flood policies. Flood insurance is even more a necessity if located on the coast or a high-risk flood area.

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