Four Seasons of Insurance – Who needs flood insurance? Everyone!

by Sam Engardio

Spring is here, and summer just around the corner – a welcome relief after what most of the country experienced as a pretty brutal winter. News reports in January noted that snow was on the ground in 49 states, apparently a modern record. Snow melts, and when combined with Spring rains produces a real risk of flooding. We’ve already seen drastic effects of this in other parts of the country, but those of us residing in Southeast Michigan are not exempt from this risk. What many people don’t realize until it’s too late is that flood is excluded as a covered peril in almost all property insurance policies. Flood coverage is available however, the primary source being the National Flood Insurance Program (NFIP), the federally sponsored program. This insurance may be purchased through Kapnick Insurance Group. Learn more about myths and facts regarding the NFIP by reading the brochure published by FEMA.

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