03/11/2026
After the storm that rolled through West Michigan last night, here’s something many homeowners don’t realize:
Flood damage is not covered by most standard homeowners insurance policies.
And it doesn’t take much water to cause serious damage.
Just 1 inch of water in a home can cause $20k–$25k+ in damage.
At our agency we always tell people:
You don’t need to live on a lake or river to experience flooding.
Sometimes it’s simply too much rain too fast.
If storms like last night have you wondering about your coverage, we’re always happy to review it and make sure there are no surprises when the weather gets wild.