Has the need for flood insurance in California subsided as we head into March? The answer is a resounding NO! Many experts are predicting that El Nino type rains may continue well into May or June. Since flood damage is excluded on homeowner insurance policies, insureds would need a separate flood insurance policy to protect their home and personal property from water damage caused by surging or rising water.

The National Flood Insurance Program (NFIP) sets the flood insurance rates based on Flood Risk Maps. Even if you live in a “low risk zone”,  flood damage can occur due to heavy rains which can cause rising water to build up on your own property or a neighboring area that can run onto/into your property and cause damage. If you are interested in obtaining flood insurance, note that there is a 30-day waiting period before the coverage would go into effect. We don’t recommend delaying on flood insurance if you are concerned about this protection in the current climate. Give us a call at Randy Jones Insurance Services and we can explain the coverages available.