As winter approaches, it’s essential to prepare your home for potential flooding and sewer backup issues. These natural disasters can cause significant damage, and having the right insurance coverage is crucial. At Nickerson Insurance Agency, we specialize in providing comprehensive insurance solutions, including homeowners’ insurance. Here’s a guide on when to add flood or sewer backup coverage to your policy.

Flood insurance is not typically included in standard homeowners’ insurance policies. It requires a separate policy, often through the National Flood Insurance Program (NFIP) or private insurers. There is usually a 30-day waiting period before coverage becomes effective, except in certain circumstances like loan transactions or revised flood maps.

• Flood Risk: Flooding is the most frequent and expensive natural disaster in the U.S. Changes in weather patterns, development, and environmental factors can increase flood risks.
• Coverage Gaps: Standard homeowners’ insurance does not cover flood damage. Flood insurance protects your home and belongings from flood-related losses.

• Before Hurricane Season: If you live in areas prone to hurricanes, consider purchasing flood insurance by May to ensure coverage starts before the June 1st hurricane season begins.
• During Loan Transactions: If you’re buying a home in a high-risk flood area, flood insurance is often required by lenders. In these cases, coverage can start immediately.

Sewer backup coverage is also essential, especially during winter when heavy rainfall and snowmelt can overwhelm sewer systems. This coverage is typically an add-on to your homeowners’ insurance policy and can help mitigate the financial impact of sewer-related damages.

• Assess Your Risk: Check updated flood maps to understand your property’s flood risk. This information can help you decide on the right level of coverage.
• Consult an Agent: Talk to a trusted insurance agent to determine the best coverage options for your situation. Search “homeowners insurance near me” for proper guidance that fits your needs.

Winter is coming, and with it, the potential for flooding and sewer backups. Don’t wait until it’s too late; consider adding flood and sewer backup coverage to your insurance policy today. Contact Nickerson Insurance Agency for expert advice on homeowners insurance and ensure your home is protected against these risks.