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Plan ahead for flood insurance and sewer back-up coverage

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Mark DannehlSpring is slowly but surely making its way into Wisconsin. While we welcome the moderating temperatures, we should also keep in mind that with thawing snow and ice comes increased risk of flooding.

You may not realize that home insurance never covers flood damage. So if you want to purchase flood insurance, let us help explain what a flood insurance policy can do for you and know there is a 30-day waiting period* so you can prepare for more thawing plus spring rains. 

While you're thinking about insurance, you may also want to check as to whether you have sewer back-up coverage on your home policy. Water damage due to drain and sewer backup or sump pump overflow may be covered if you’ve added an endorsement to your policy.

Again, timing can be everything. If the coverage is included at the inception date of the policy, the coverage begins on that date. However, if it’s added to or increased on an existing policy, there is generally a 30-day waiting period.

To learn more about the flood insurance offered through Member Benefits, or for questions about your current home policy, give us a call at 1-800-279-4010.

*Some exceptions apply, call us for details. Flood insurance offered through the National Flood Insurance Program and underwritten by Bankers Insurance Company.

Mark Dannehl, Personal Insurance Consultant