NATIONAL FLOOD INSURANCE EXPIRING TOMORROW?
Most homeowners policies include coverage for loss due to disasters, theft and accidents. Your policy will likely cover damage from disasters such as fire, hail, hurricane and lightning. Whereas, it will likely not cover losses caused by flood, earthquake or routine wear and tear.
I would suspect that many of you reading this, excluding my fellow emergency management colleagues, may be unaware or unfamiliar with the National Flood Insurance Program (NFIP). However, if you have property along a river's edge or on the coastline, you are likely very familiar with the NFIP. The NFIP has been in existence since 1956 and provides insurance specific to flooding risk. It is at risk for expiration, which is covered at length in a recent article of the Emergency Management magazine.
If you do have flood insurance through the NFIP, follow the advice outlined in the article and check your policy's expiration date. If it is going to expire in the next 120 days, contact your insurance agent and ask them to initiate a renewal notice, which will cover you from any gap in the coverage.
For those of you that live in the Seattle Metropolitan area away from rivers and shorelines. Keep in mind that you are at risk for Urban Flooding. With urban sprawl comes an increase in the presence of concrete, which does not absorb rain water. Thus it has to run somewhere and in most cases aims for the sewer lines. At this time of the year it is particularly important to keep the drainage pipes clear of leaves and other debris. Take a moment to rake up your leaves to ensure that the sewer lines are clear from debris to whisk the water away. If the NFIP is extended, you might want to consider adding it to your existing insurance plans.