06/16/2026
🚨 Flood Insurance PSA 🚨
With all of the recent heavy rain, I’ve had a lot of questions about flood insurance, so I wanted to clear up some common misconceptions:
💧 Flood insurance is NOT included in your regular homeowners insurance policy. It is a completely separate policy that must be purchased on its own.
⏳ Flood insurance does not go into effect immediately. In most cases, there is a 30-day waiting period from the date the policy is purchased and paid for before coverage begins.
💰 Flood insurance must be paid in full at the time of purchase.
⚠️ The most important thing to remember: You cannot wait until a storm is headed your way or flood waters are rising to get coverage. By then, it is too late.
Whether you’re in a high-risk flood zone or not, flooding can happen almost anywhere after significant rainfall. It’s always better to understand your options before you need them.
If you’d like a flood insurance quote or want to see if flood coverage makes sense for your home, send me a message and I’d be happy to help!
Stephanie DiSanto
📞 281-785-9310
