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Flood Insurance

Unknown to many, standard homeowners insurance policies do not cover flood damage. Flood insurance is a special type of insurance policy that must be purchased separately. Fortunately, it is funded by the federal government, and is easily obtainable and reasonably priced. Coming in right behind fires, floods are the second most common type of natural disaster. Recent studies have shown that over the span of a 30 year mortgage, homes are 26 times more likely to be affected by floods than fires, so flood insurance is a sensible investment. Flood insurance, with various coverage limits, is available to protect you from and help pay for:

• Property loss
• Mechanical and structural damages of the residence
• Replacing floor surfaces such as carpet and tile
• Debris clean up.

Keep in mind that flood insurance must be purchased at least 30 days in advance, so you will not be covered if you purchase a policy right after you see a flood warning.