What's your water damage IQ?

We've spoken before about the difference between flood and sewer and water backup, but now I found a video from the Insurance Information Institute that does a good job of laying out some more examples that we deal with every day.

Don't worry so much about the dollar amounts offered in the video because those are dependent on so many different factors.  Also, let me know if videos and audio clips make the website more useful and informative than just straight articles and blog posts.

Protecting Against Water Damage

A lot of questions about water damage come into my mailbox, so I thought I would address a one of the most common. What is the difference between Flood and Sewer/Water Backup? One of them can be included in your policy and one has to be purchased separately.

After the jump we'll examine each one and let you know how to tailor your insurance policy to suit your needs.

Flood Map Changes Are Coming

Flood insurance is probably the most under-purchased property coverage in the homeowners market, but there are changes afoot in the country's flood-mapping from FEMA.  Areas that once were considered low risk (Zone X) are being reclassified after several "100-year floods" in the past couple of years, especially in the midwest.

Check out this article from FloodSmart.gov that talks about the various changes to come and what you can do to prepare.

www.floodsmart.gov/floodsmart/pages/flooding_flood_risks/map_change.jsp

As always, give me a call if you have more questions.