Flood Insurance - O Fallon, MO
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Flooding & Homeowner Insurance from 7/26/2022 11" storm
Parts of the St Louis region received as much as 8" of rain in 6 hours and a total of 11" in 24-hour period beating a record from July 1915. Amazingly, after hundreds of car rescues from trapped/stranded motorists many homeowners found basements filling up with water....
Flood Insurance in Missouri
Spring is back, rain is back. It is not necessary to live near a creek to have flooding issues. Hard pounding rain water becomes surface water, rides on top of the surface, entering a home is NOT covered by any homeowner policy....
Flood Insurance Reminder
As we approach Spring, be ready for rain, rain, and more rain. As a reminder to all homeowners, rains which enter into a home are NOT covered by homeowner policies. Water which runs on top of driveway, patio, deck or the yard is called surface water. Surface water entering a home simply is NOT covered by home policies....
Recently Mapped into Flood Zone
I blogged in 2017 about this and decided to reprint with a few modifications. In all the years you have lived in your home it has never been flooded, now you are told you are recently mapped into a flood zone, typically A or AE zone, now what?...
Flood Insurance
Many homeowners decide to go without flood insurance. Some people figure the odds are low that anything will happen, while other people think that a flood is covered under their current policy. Let us correct you; unless you have added flood insurance coverage, it is excluded....
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