Floods don't care about FEMA lines or historical data. They care about gravity and water. Buying flood insurance isn't just about protecting a building; it's about making sure that when the water recedes, your life can move forward.
Most people assume their standard homeowners policy is a "catch-all" for disasters. It isn't. Standard policies typically cover fire, theft, and even wind—but they almost universally .
Flood insurance, on the other hand, is a claim payment that helps you rebuild without adding more debt to your plate. 3. The 30-Day Waiting Period (Don't Wait for the Clouds)
