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Protecting Your Home with Flood Insurance

DAVID MILLER: We're fortunate to have a group like the Insurance Information Institute to help us promote the importance of financially protecting your home and business with flood insurance.

Year after year, we see hurricanes make landfall and cause flooding not only along the coast, but hundreds of miles inland.

ROBER HARTWIG: Early predictions this year indicate an active hurricane season and it's especially important that people now take the time to learn about their homeowner's insurance policy and understand their flood risk. In fact, 90% of all natural disasters in this country involve some form of flooding.

MILLER: That's right. Hurricanes and tropical storms can bring storm surge and also torrential rains, both of which can cause devastating flooding.

Be sure to protect your family this hurricane season by not only preparing an emergency kit and an evacuation plan, but also by purchasing a flood insurance policy, to ensure that your home is financially protected against flood loss.

HARTWIG: Flooding occurs not only in high-risk areas, but as well in low-risk areas, and "low-risk" does not mean "no risk", so everyone should consider getting a flood insurance policy.

MILLER: That's right. And one of the things that we found out, in looking at a number of flood events, is that more than 20% of all flood claims occur outside the high-risk zone.

HARTWIG: Homeowner's and renter's insurance do not cover damage from floods. Only a flood insurance policy will protect you financially from the damage associated from flooding.

Flood insurance is also available to renters, and to business owners as well. There's a 30-day waiting period, however, for flood insurance to go into effect, so now is the time to act, because only a few inches of water can cause tens of thousands of dollars of damage to your home or business.

MILLER: More information about the flood insurance policy can be found at and

That's and

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