1. Articles in category: Flood

    1-21 of 21
    1. Flood Insurance, AAA asked the question: Are You Covered?

      Flood Insurance, AAA asked the question: Are You Covered?

      Your family may think that if you're not living near the ocean, you have no flood risk. AAA, however, wants to remind families across the US that floods can and do occur in all 50 states.

      Flooding is not typically covered by homeowners insurance, so it is important for families to evaluate their flood risk and consider flood insurance. Learn more from AAA on KCSG:

      It's important to understand what is and is not covered by your insurance policy. In most cases, additional coverage is needed to protect your property ...

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    2. Insurance blind spots: 5 coverage gaps that could cost you

      Insurance blind spots: 5 coverage gaps that could cost you

      In most states, auto insurance is required. If you own a home and have a mortgage to pay off, you're likely required to have homeowners insurance. You may think these coverages are enough to manage your risk, however, there are some areas that aren't covered by more common insurance products.

      These gaps could leave you and your family vulnerable to large expenses. The Herald-Whig examines 5 common coverage gaps that could cost your family a lot of money:

      Yet only 12 percent of homeowners nationwide carry flood coverage , an Insurance Information Institute poll found. Homeowners insurance doesn't ...

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    3. Flood Cleanup: Be sure policies cover water damage

      Flood Cleanup: Be sure policies cover water damage

      Hurricane season is ending, but winter is coming - do you know if you have coverage for different types of flooding? You may want to talk to your insurance agent to understand what is covered under your homeowners insurance and flood insurance policies, as well as ares where you may not have enough coverage.

      This article outlines some great tips for ensuring your'e got coverage, and from it you can find pointed questions to ask your agent to help best protect your family from expensive flooding damage. A rider could be a huge financial help should your home face flooding ...

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    4. Floodplain changes mean savings, but officials urge caution in ditching insurance

      Floodplain changes mean savings, but officials urge caution in ditching insurance

      Should your insurance plan change if the flood plain changes?

      This question is much more easily answered if you weren't in a high risk zone and suddenly are - you're then required to purchase flood insurance for your home. But what if it goes the other way around and suddenly you're not at so much risk as before?

      It can be tempting to drop your family's flood insurance coverage if you're not longer required to carry it. Short-term, you'd save a fair amount of money. But are you still at risk? 

      Your family should consider ...

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    5. Public Insurance Adjuster, Dick Tutwiler, Offers Insurance Claim Advice to West Virginia Flood ...

      In this helpful article, Dick Tutwiler offers helpful insight into the insurance claims process for losses related to water, namely flooding and water loss. These are two separate issues that oftentimes rely on different coverages, so knowing which one you are facing will allow you to take the right corrective action and lead to a smoother claims process.

      Though Mr. Tutwiler speaks specifically to his fellow West Virginians, these tips are useful for homeowners and families all through the US.

      Read more on Benzinga:

      Native West Virginian and Public Insurance Adjuster Charles R. "Dick" Tutwiler offers tips on how fellow ...

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    6. Live in a Flood Zone? Make Sure You Have This

      Live in a Flood Zone? Make Sure You Have This

      Flooding and insurance can be tricky. Some policies will cover flood damage, others won't. Some coverage you can purchase any time you need it, some require a waiting period before the policy can go into effect.

      If your area is susceptible to flooding, you'll want to know the ins and outs of your policies to ensure you have adequate protection in the event of a flood. Read on on About to learn about some common nuances to flood coverage:

      It may surprise you; car insurance does cover flood damage to cars, as long as you have selected the ...

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    7. Hurricane insurance: 13 things to know before the wind blows

      Hurricane insurance: 13 things to know before the wind blows

      Hurricane season is arriving and can cause serious damage to your property. Make sure you're covered by knowing the ins and outs of the coverage you have under your homeowners insurance and how that relates to the risks you may face during hurricane season:

      Flood insurance is part of my homeowners policy, right? No, not typically. You may be required to have a flood policy if you are in a high-risk flood area ...

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    8. 9 Kinds of Damage Home Insurance Won’t Cover

      Your family bought home insurance to help protect your home. Do you know what your policy does and doesn't include? Knowing what's excluded from your policy can help you make informed decisions about your home's vulnerabilities. Check out this article for common exclusions and where you can find supplementary coverage.

      Home insurance is a must-have for homeowners who want to protect their investment, and it’s usually required if you have a mortgage. But having home insurance doesn’t mean you’re covered against all problems that can damage your house or drain your savings.

      What is ...

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    9. Make Your Home More Flood Resistant, FEMA Tips

      Make Your Home More Flood Resistant, FEMA Tips

      It's springtime which means its a peak flood season. Flooding can happen anywhere it rains, so your family could be affected, even if you're not near the ocean. Here are helpful steps you can take to make your family's home more flood-resistant from FEMA. These tips should help you minimize damage from flooding. And don't forget to consider flood insurance!

      So it's strongly recommended that homeowners look into purchasing a National Flood Insurance Program (NFIP) policy, especially if your home or ...

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    10. Spring rains, El Nino and hurricanes increase threat of seasonal floods

      Spring rains, El Nino and hurricanes increase threat of seasonal floods

      Changing weather patterns can increase your risk of flood thanks to unpredictable rains and more. Make sure you're protected by safe guarding your home against flood damage and considering flood insurance.

      Spring rains, global warming, and the effects of El Nino in 2016 may increase the likelihood of flooding in many parts of the country. Are you prepared for potential flooding?

      “As far as El Niños go, the one we’re experiencing now is a doozy. In fact, it’s probably the strongest that’s ever been measured,” according to Slate.com. “In the simplest terms, that means ...

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    11. Ways to Prevent Basement Flooding

      Ways to Prevent Basement Flooding

      Spring showers can cause your basement to flood... what would your family do? Make sure you have taken measures to prevent flooding and speak to your insurance agent about flood insurance, even if you don't live in a high-risk area. Rain can happen anywhere, make sure your basement is ready!

      Rain, rain, go away, the basement’s flooded and it’s not okay!

      El Nino conditions have brought on the rainy season a bit sooner than usual.  With that, flooding becomes a greater concern.  Many people have issues with basement flooding after a storm.  Luckily, there are some measures ...

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    12. Upgrade Your Home, Insurance Policy Before Spring Storms Hit

      Upgrade Your Home, Insurance Policy Before Spring Storms Hit

      Make sure your home and insurance policies are up-to-date before rain, hail and more spring weather rolls in. These spring perils account for many homeowners insurance claims. Preparing your home for these weather events is your first line of defense, but if that's not enough, proper insurance coverage is paramount to recouping your losses without a financial hit.

      Mother Nature's forces of wind, water and hail account for more than half of all homeowners insurance losses.

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    13. Federal Flood Insurance Program - How it Works

      Federal Flood Insurance Program - How it Works

      Have you considered flood insurance for your business? It could be a valuable protection:

      The National Flood Insurance Program (NFIP) is the sole source of flood insurance for most businesses and homeowners in the United States. This article will provide a brief history of the program and explain how it works.

      Devastating floods were a recurrent problem throughout much of the twentieth century. In 1936 Congress attempted to address the issue by enacting the Flood Control Act. This law authorized the federal government to build flood-control structures like dams and levees.

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    14. 9 Things Homeowner's Insurance Does NOT Cover - Bob Vila

      9 Things Homeowner's Insurance Does NOT Cover - Bob Vila

      Very important! Call your agent if you are not sure.

      Most homeowners insurance policies get squared away in the early stages of home buying and aren’t much looked at again until the time comes when they’re needed, say, after a burglary or significant storm damage. But don’t wait until the day you need to invoke it to learn what your policy doesn’t cover. A number of liabilities—ranging from trampolines to certain pests, and from out-of-the-home businesses to certain dog breeds—may not be included.

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