We can expect major rains coming soon this summer. Northeastern Maryland can be flood prone. Flash floods may come after heavy rain. This flooding can affect streams and creeks. We also have hurricanes and tropical storms that may cause surges that create tidal flooding along Maryland’s bays and their tributaries. *** 

Your insurance company offers a flood insurance policy to cover the water damage which is not covered under your regular homeowners policy. However, not everyone needs to have flood insurance coverage. 

Here are five questions you should consider asking before purchasing flood insurance:

1. Is flood insurance required in my area? The State of Maryland doesn’t require you to buy flood insurance. If you live in a flood plain, however, your mortgage lender may require it. Your insurance company cannot and does not require flood insurance. 
2. What is covered by my flood insurance policy? Flood insurance policies are basically an extension of your homeowner's policy with the same coverages and exclusions. Ask about coverage for your home, personal belongings, and any other structures on your property.
3. How much flood insurance coverage do I need? - The amount of flood insurance coverage you need depends on several factors, including the value of your home and personal belongings. It's essential to have enough coverage to protect yourself in the event of a flood. Flood insurance protects your home up to the coverage levels you choose. The top coverage level is only $250,000. So, your home costs more to rebuild, then you will have to pay the difference. You can purchase a much higher coverage limit for your home. Many insurance companies offer higher limits of coverage in excess of $250,000 along with broader coverage for other structures on the property. If your home is worth more than $250,000, you may want to consider getting flood insurance coverage.
4. How much will flood insurance cost? Flood insurance premiums can vary depending on your location, coverage needs, and other factors. Ask for a quote and make sure you can afford the premiums before purchasing a policy.
5. What is the flood insurance claim process like? It's important to understand the claims process before purchasing flood insurance. Ask about the steps you'll need to take in the event of a flood, how quickly claims are processed, and what documentation you'll need to provide.

By asking these questions, you'll have a better understanding of what flood insurance coverage you need and what to expect from your policy. Remember to consult with a qualified insurance professional to ensure you're properly protected in the event of a flood.

If you believe you need flood insurance, contact our insurance company staff at Lindquist Insurance for a free consultation. Our homeowner's insurance experts can advise you on purchasing a flood insurance policy. We can review your coverage with you and make sure your home is fully covered. Call (301) 694-0008 for an appointment. 

We serve the Annapolis, MD, and Frederick, MD areas. 

*** For more information on flooding, visit the State of Maryland website.