Poll question: Have you checked whether your insurance covers flood damage?
Answer options:
→ Yes, I have flood coverage
→ I checked, and I’m not covered
→ I haven’t checked
→ Not sure what my policy says
Poll description: Flood coverage is easy to assume and hard to confirm without looking. We want to know where [City/Town] stands. When this poll closes, we’ll repost it with the results and what to do next.
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Seed comments: post each as a separate comment immediately after publishing:
- Comment 1: Has your household ever pulled out your policy or called your agent to ask about flood coverage?
- Comment 2: Flood insurance information and how to find a policy: https://www.floodsmart.gov . If your agent doesn’t sell flood insurance, the NFIP Referral Call Center is 800-427-4661.
- Comment 3: If you’ve been through this, what do you wish you’d known sooner? Share it here for the rest of us.
Poll Repost:
In the poll below, we asked, Have you checked whether your insurance covers flood damage?
[Insert your results here, for example: “X percent of you said you haven’t checked.”]
Most standard homeowners policies do not cover flood damage. Flood coverage is a separate policy, and renters can buy it too. FEMA says a flood policy usually takes 30 days to go into effect, so one bought after a storm is forecast may not be active in time.
Call your insurance agent, and ask two things: do I have flood coverage, and what does it cover?
What did you find when you checked?
Seed comments: post each as a separate comment immediately after publishing:
