Is flood insurance a good idea for your home?

Eau Claire (WQOW) – Wisconsin has been hit with floods all over the state. In regards to the recent floods, it might have people wondering if now is a good time to consider purchasing flood insurance for their home.

Flood insurance is separate from homeowners insurance, it is sold by local agents through The National Flood Insurance Program, which is a division of FEMA. Flood insurance does not cover all water damage. For the policy to kick in, there must be at least one foot of water over at least one acre of land surrounding a home.

Flood insurance does not cover surface water or sewage backup coming into a home. Insurance agents said instances like these are the hardest concepts for homeowners to swallow.

“The flood is actually designated by the FEMA folks, they come out and say ‘yup, you’ve had a flood, yup, you qualify for benefits’… and if they don’t say that, you got nothing. Floods are weird that way,” said Sheila Wall, Castle Insurance agent.

If an individual does choose to buy flood insurance, it is important to note it usually takes 30 days before the policy kicks in.

Floodproofing tips: In a flood zone area, it is important to check for proper drainage tiles in a basement, because those basement drains help keep water outside of the home. Making sure downspouts are correctly positioned, eaves are correctly built, gutters are in the correct areas, and grading is properly built so water is encouraged to drift away from the home.

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