Wisconsin Homeowners To Prepare For Severe Spring Flooding: The Basics Of Flood Insurance

If you live in Wisconsin, be on the lookout for possible flooding this spring season. Officials with the state have already warned that flooding could be severe due to melting snow, rain, and the water-soaked ground. It’s one of those things nobody can control, but you can add flooding insurance to get prepared.

Why flood insurance

Flood insurance is a must-have if you live in an area that has a high flood risk. In some cases, it might be mandatory if you are high at risk. Also, situations that include heavy rain, severe coastal weather, and melting snow can happen basically anywhere. In fact, people living in low to medium risk areas are likely to file a flood insurance claim – 1 in 5 claims.

What’s covered?

Your whole house is covered by flood insurance, particularly core parts such as the foundation and the important systems that keep it running. Personal belongings and carpeting may be covered as well except they are in the basement. It’s good you purchase coverage for your property and its contents. Covered building property includes the following:

  • Appliances
  • Carpet installation
  • Window blinds
  • Fuel tanks, fuel, and solar energy equipment
  • Foundation walls, and staircases attached to your property
  • Plumbing systems and the electrical
  • A separate garage, store, or parking
  • Cisterns and water

Personal property contents such as personal belongings, which include furniture and electronics, curtains, portable appliances, washer and dryers, food freezers, and valuable items such as artwork for up to $2,500 are generally covered.

There is typically a 30-day waiting period for coverage to kick in. However, several exceptions may apply. Flood insurance is not federally required but it may be mandatory in low-to-moderate risk areas.

Floods are the costliest natural disasters. They cost the United States an average of $8.2 billion every year. Homeowners and renters insurance may not cover flooding. You can learn about your flood insurance options and purchase coverage today with the help of one of our agents. Request a quote here.


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