Kim Lockwood
(commercial lines marketer)
Howalt+McDowell Insurance
The National Flood Insurance Program defines a 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 your 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.”
Pay close attention to the second bullet point…”unusual and rapid accumulation or runoff of surface waters from any source.”, as this includes MELTING SNOW!!
Are you covered? Most property insurance policies do not cover flood damage.
Flood insurance is available through the National Flood Insurance Program, but there is a 30 day waiting period for coverage to be put in force!
Plan ahead! Please give us a call if you’d like a quote!
Howalt+McDowell Insurance at 1-800-584-7054