One of the reasons we love living in Idaho is the lack of catastrophic natural disasters. Because we’re not near the coast, you might not be worried about flooding. Or you might assume that water damage is covered under your homeowner’s policy. Flooding is one of the most common natural disasters in Idaho, and you should be prepared. Your home is three time more likely to be damaged by a flood than by a fire. It only takes a few inches of water to damage your home and your belongings.
Homeowner’s policies do not cover damage caused by flooding. A separate policy must be purchased through the National Flood Insurance Program. A flood insurance policy offers coverage for both the structure of your home and your personal property.
Typically, there’s a 30-day waiting period before a new flood policy goes into effect. That’s why it’s especially important that you purchase a flood policy before severe weather rolls in.
Your Farm Bureau Insurance agent can help you understand if you should consider flood insurance.