Why Homeowners Should Still Ask About Flood Insurance

Standard homeowners policies typically exclude flood. Flood coverage is usually purchased as a separate policy, and waiting periods commonly apply before it takes effect.

Being outside a designated high-risk zone does not mean water cannot reach your home. Drainage changes, heavy rainfall, and new nearby construction can all change how water moves.

Ask about building coverage, contents coverage, and the waiting period well before storm season, not during it.