The Cold, wet, wet Truth

Flood Damage

The Cold, wet, wet Truth



Flooding can happen anywhere at any time. If you take a moment and think about all the bazaar weather storms that have happened in the areas of the United States in the past few years you will agree that what was once considered “ NOT possible for a severe, devastating flood  area” is no longer a phrase we should rely on. In the US 30-40% of the flood claims are paid in low-to-moderate risk areas (X Zone)

For our particular corner of the country, winter and spring alone provide conditions that could cause a serious flood situation. Coastal flooding, ice jams, and rapid snow melt are just a couple of conditions to consider. Winds generated from a winter storm can cause a broad spread tidal flooding, beach and break wall erosion along our lakes. When an ice jam breaks free, it causes severe flooding. Water released from an ice jam flows quickly causing significant water levels to rise in a short time.

With the sudden thaw of heavy snow this can also lead to a flood situation. Because of the ground still being frozen snow melting cannot be absorbed into the ground but runs off the surface and flows into lakes, streams, rivers, and ponds bringing water levels higher to spill over their banks.

Unfortunately many people believe their homeowners or business insurance will cover them in the loss after a flood. In the U.S. you must purchase a separate flood policy in order to protect you and your family from such a financial loss. Yes, many homeowner policies do have the option of Backup of water and sump pump coverage that may be added to your homeowners policy. This coverage excludes flood, surface water, waves, including tidal wave and tsunami, tides, tidal water, overflow of any body of water, or spray from any of these, all whether or not driven by wind, including storm surge. Water below the surface of the ground, including water which exerts pressure on or seeps, leaks or flows through a building, sidewalk, driveway, patio, foundation, swimming pool or other structure. Waterborne material carried or otherwise moved by any of the water referred to above is exclusion in coverage in your homeowner policy.

There are many actions we can take to avoid a flooding disaster.

  • Move snow away from the property foundation
  • Clear gutters, drains and downspouts
  • Install a sump pump in the basement or inspect the existing sump pump
  • Make a flood plan that includes evacuation routes and keeps important papers in a safe, waterproof place.

Talk about a flood insurance policy with us now because when the flood starts to raise it is too late to protect your home, business and family.


By: Heather Tabor