Summer in Wisconsin often brings sunshine and time outdoors, but it can also bring intense storms, heavy rain, and sudden flooding. If you think your home insurance will automatically cover flood damage, here’s the truth: it doesn’t.
What is Flood Insurance?
Flood insurance is a separate policy that covers damage caused by rising water—think overflowing rivers, flash floods, or water seeping into your basement from heavy rainfall. It’s not included in standard homeowners insurance, which typically only covers water damage from things like burst pipes or roof leaks.
Why Summer Is a Key Time to Think About It
Flooding isn’t just a coastal problem. In fact, more than 20% of flood claims come from properties outside high-risk zones. Summer storms can drop several inches of rain in a short time, overwhelming drainage systems and causing water to enter homes, even in areas that have never flooded before.
Flash flooding can happen with little warning. If your home is in a low-lying area or near a creek, ditch, or poorly drained road, you might be at more risk than you realize.
How to Get Flood Insurance
Flood coverage is typically offered through the National Flood Insurance Program (NFIP) or private insurers. Keep in mind:
- There’s usually a 30-day waiting period before coverage begins, so it’s not something to wait on until a storm is in the forecast.
- You can insure both your home’s structure and its contents.
- Coverage is available even if you’re not in a designated flood zone.
Is It Worth It?
If a flood damages your foundation, flooring, or electrical system, the repair costs can easily reach tens of thousands of dollars. A flood policy gives peace of mind and financial protection in the face of unpredictable weather.
Need help deciding if flood insurance makes sense for your home?
We can walk you through your options and answer your questions—no pressure, just guidance.
Call us at 800-637-4676 or email info@profinsprog.com.