Flooding isn't just about coastal waters or rivers. If you're a homeowner, your property may be at risk, and flood insurance could be essential. Speak with your insurance agent to assess your susceptibility to flooding and its coverage options. Remember, flood insurance policies usually have a waiting period, so coverage isn't immediate.

In colder regions, snow can linger and pose a threat of water damage as it melts. Even properties outside flood zones can suffer damage from snowmelt, especially if a rapid thaw follows heavy snowfall. The frozen ground might not absorb water efficiently, leading to overflow into lakes, streams, and rivers.

Before winter storms hit, check your homeowners' policy and any flood coverage concerning snow pressure and snowmelt damage. If your property is flood-prone, relocate valuable items from areas vulnerable to water damage. Sometimes, snowmelt issues take time to manifest, gradually affecting walls, ceilings, or foundations.

Snow damage from weight is treated differently than water damage from snowmelt. Your flood policy might not cover pressure-related damage, but your homeowners' policy could. Discuss with your insurance agent to clarify your coverage for such events.

Typical flood policies might not cover living expenses if relocation is needed after water damage. For more insights, consult with our experts. If your policy doesn't include relocation, you might request funds, but these will be deducted from your total claim payout.

We hope you never encounter these challenges, but we're here to support you if you do. Reach out anytime by calling, clicking, or visiting our office.

Rising Star Insurance Group has been 'Protecting What Matters Most to YOU' for over four decades.