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Rainy weather in March reinforces need for flood coverage of one's home

Posted On Tue, March 16, 2010

With rainy weather continuing to pound much of the East Coast into a new week, many homeowners may find themselves in need of home insurance coverage that include flood protection to protect their home against water damage.

According to Pennsylvania Insurance Commissioner Joel Ario, taking out flooding coverage of one's home is something that should be planned before the start of a season that could bring lots of wet weather. In many cases, flood insurance does not become effective immediately and could take up to a month.

"There is a 30-day waiting period before a flood insurance policy becomes effective. The sooner you can purchase coverage, the better," Ario said. "It's important to remember that standard homeowner policies do not include coverage for flood damage."

In a recent posting by the Insurance Information Institute released in conjunction with the rainy weather affecting much of the Atlantic seaboard this month, it was warned that the rain could build on initial water damage caused the month prior by snowstorms to create problems for homeowners.

Additionally, it referenced a 2008 poll that found only 17 percent of Americans had taken out a flood insurance policy, with the Northeast region seeing the highest number of policies.

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