Invest in flood insurance coverage before there is risk of flooding. Most flood coverage requires a 30-day waiting period before it is effective. Exceptions include the purchase of a new home. Floods can occur anywhere, even outside high-risk flood zones. Most homeowners policies will not cover damages caused by flooding.
Flood insurance protects from severe types of water damage caused by heavy rain, melting snow and storms. You may be required to purchase flood insurance from your lender or you may just want extra protection for your property. R.W. Testa Insurance Agency can help determine if a flood insurance policy is right for you.

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