Hurricane season is here to stay for a while and when disaster strikes, homeowners become distraught when their insurance policies do not sufficiently cover all the damage/loss.  Hurricanes are capable of producing hail, high waves, wind-driven debris, increased water levels, and heavy winds and rain. It is imperative to verify your desired coverage entitled under your homeowners policy with your insurance agent in order to withstand this year’s hurricane season.

Flooding is a likely occurrence when hurricanes or resulting tropical storms hit land. Unlike the other catastrophes mentioned, however, flooding is not covered in basic homeowner policies. Flood insurance is available to everyone and is essentially only provided by one entity, the National Flood Insurance Program. As of now, every residential, dwelling, and commercial property location within the United States is considered to be in a flood zone and qualified for flood insurance. Although some areas are higher risk than others, all are considered at-risk. Here are a few interesting facts about flood insurance:

* If you do not have flood insurance, the only way to receive assistance from a
government entity such as FEMA is if the flooding has been declared a presidentially
declared disaster.

* You do not have to be in a state of disaster in order to file a claim against your
insurance policy.

* Flood insurance covers various situations resulting in flooding, not just severe storms.

* A 30-day grace period is granted before your flood insurance policy goes into effect.

Only a small percentage of Americans carry flood insurance although flooding is a frequent problem. I strongly urge every home and business owner to invest in flood insurance and avoid the undue stress and risk of heavy financial responsibility when disaster strikes.