Check insurance policies before rain causes flood damage, agents - WGEM.com: Quincy News, Weather, Sports, and Radio

Check insurance policies before rain causes flood damage, agents say

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QUINCY, Ill. (WGEM) -

With more rain on the way comes the threat of flooding, even if you don't live along a river or stream, heavy downpours can lead to flooded basements.

So how do you know if your insurance will cover the damage? Sara Bruns, an agent with Winters Insurance, says typical homeowner's policies do not cover flooding.

You can buy flood insurance, which comes in two different areas: building coverage and content coverage.

Bruns says building coverage includes foundation elements and necessary home support equipment like furnaces, water heaters and circuit breakers.

"Flood varies by where you're located," Bruns said. "If you're located in a flood zone it's going to be pretty expensive to buy it. And it depends how much coverage you put on the dwelling, how much coverage you put on contents."

But you'll need content coverage for things like clothing, furniture and carpet.

If you are thinking about getting flood insurance, now is the time to act.

"With flood insurance because it's a federal program there is a waiting period, a 30 day waiting period. So if you need coverage check on it now. The only way around it usually is if you're closing on a loan and you need to have coverage for the closing then they'll do it immediately."

Most homeowner's policies will cover wind and hail damage, but you'll have to add coverage for water or sewer backup, which you'll need if your city's systems are overwhelmed by rain.

If you have any questions about what's covered and what's not, call your insurance agent.

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