FLOOD, what you NEED to know.

What do you do?


Flooding a word that California hasn’t used in almost a decade with the drought. Is flood even still in the English dictionary? Or did it get removed due to lack of use? Well…it’s here again, and as vigilant as ever. Water is a force of nature, it’s all consuming, it can creep into every nook and cranny, water can hide in places you can’t see and silently cause damage…water can be both friend and foe. So what do we do about it?


We can prepare ourselves…

What does that mean?

Just because you aren’t in a “flood zone” doesn’t mean flood insurance isn’t for you.

Your normal homeowners insurance does not cover you for flooding, some areas are required to carry flood insurance due to the increased likelihood of floods occurring.


For instance, in the Sacramento area most of Natamos (if not all) is generally mandated by their mortgage company to carry flood insurance.

Flood insurance insures your home and personal property for reimbursement to the insured in the event of a flood brought on by pools of water caused by rainfall, levies breaking causing flash flooding, or in the Oroville (and further South) area erosion to dams/spillways causing flash flooding from rivers (other instances as well).

Flood insurance is very different from auto and homeowners insurance. When you decide that flood coverage is important to you and you work with an agent to comprise a policy, your flood insurance doesn’t take effect for thirty (30) days following payment of the policy (there is a 30 day hold/delay period). This isn’t something you can do when you see the tidal wave of water divulging your cul-de-sac.

What to do…BE PREPARED


Let’s think about this. Water causes erosion in the earth. Our levies, dams, roads, etc. are built over sewers, budding up against water systems (rivers, oceans, streams, etc.) that overtime erode and it’s a matter of time before those manmade surfaces fall out from underneath us. Hence, the sinkholes we’ve been experiencing in Southern California.

Sinkhold So Cal..jpg
This type of incident would not be covered by flood insurance. This is covered by your auto insurance if you have comprehensive and collision coverage endorsed.

It’s a wonderful thing that we are no longer in a drought. Hey! Maybe our water bills will finally decrease! When one door closes, another opens, and for the time being we need to be aware of the potential devastation flash flooding, and other forms of pooling water can cause. There are not always ways to stop things from happening…but there are ways to be prepared for them. As always, if you have any questions, concerns, or would like to see what flood insurance can do for you contact me today, before it’s too late.


T: 209-257-3550

E: jlague@farmersagent.com