Flood insurance is completely separate from your homeowners policy. If you have a mortgage, then your lender will require that you carry flood, but that only applies if you live in a flood zone.
But you can still get flood coverage, even if you’re not in a flood zone. If you’ve seen water rise in your area in the past, then it’s a good idea to look into it.
Here’s what you need to know. First, flood coverage can not be started immediately. Because it is a federal program, it requires a 30 day wait period before it becomes effective.
That means that once the storm hits, and the water is rising, it’s too late to get covered!
If your mortgage is paid off, it’s even more important to look into flood coverage. You see, many people don’t realize they are at risk until a flood hits! Without required coverage on your mortgage, you might be unaware too.
Check out this great Flood Insurance information website... CLICK HERE
Then give us a call today at 612-217-0157 to get a free, no obligation quote and review your risk with one Ray Alkalai.