Recently I saw a friend comment on Facebook that she was rethinking her pool membership this summer due to the amount of rain we have received.  I decided to take a look at the Farmer’s Almanac and it stated that we will be receiving a large amount of rain this summer.  Guess we’ll be likely to get the phone calls from Harford County Government WARNING of FLASH FLOODING in our  area. 

We have all seen the pictures on the news of homes with water up to the rooftops and cars floating down the street.  Floods can have a catastrophic effect on your home and cars.  Let’s hope this wouldn’t happen in Harford County but would you be covered?  Homeowners’ policies don’t cover flood damage.  Flood coverage must be purchased separately and is different from your homeowners’ policy.  Basically, flood insurance isn’t as comprehensive as your homeowner’s policy.  Do you have a separate flood insurance policy?  Have you ever talked to an insurance agent about a flood insurance policy?

I’m speaking from experience when I tell you that you are more likely to be affected by a flood than a fire in your life.  Once my car was flooded in a parking garage next to the Jones Falls!  All the cars in the garage where floating around bumping into one another.  Luckily, my Erie auto policy did cover the flood damage to my vehicle.
After large storms many clients call in about claims where water has caused damage in their basements.  9 times out of 10 the damage is not covered by their homeowners’ policy  because it is caused by a flood.  

I hope this blog gets you thinking about having a chat with an agent in my office about whether flood insurance is a wise investment for your family.  Give us a call at 410-877-0017 or E-mail