Contact 2: Changing Home Insurance To Covering Flooding

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ST. LOUIS, MO (KTVI)-- Thursday's heavy rain will probably generate a flood of insurance claims by homeowners.

But since standard homeowners insurance does not cover flooding, we thought we'd remind consumers they must understand their policy if they want complete coverage.

If a homeowner has to ask, am I protected, they probably aren't.  Because flood insurance is something you make a conscious decision to buy.

Anywhere it rains, it can flood.  You don't have to live in a flood zone to buy flood insurance.    Protection for homeowners is underwritten by the National Flood Insurance Program.  But the policy is sold by insurance agents certified by the federal government.

There is a 30 day waiting period from the date of purchase before that new policy goes into effect.  Once its taken effect, you have to actually be hit by flood waters in order to file a claim.   Sewer back up qualifies only if damage is the direct result of flooding.  The policy covers the house. Your belongings are covered if you pay an additional premium.

As far as your vehicle is concerned, you're only protected when you have comprehensive.

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