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Sparks Insurance, Inc. Blog: flood insurance

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To make sure you're adequately protected, we recommend a yearly review of all of your insurance policies. This questionnaire helps make that review quick and efficient. Please take a moment to answer the questions and email, fax (262-697-1961) or mail this page back to us. READ MORE >>

It’s that time of year, again. Severe thunderstorms, damaging winds, large hail and tornadoes will start to be a mainstay in the forecasts. Tornadoes can strike in any season, but occur most often in the spring and summer months, according to Ready.gov. READ MORE >>

Having the right coverage on your homeowners policy can make the difference between a paid claim and a major headache. Water damage is one of the most frequent claims in the country, and purchasing coverage for these losses is an important consideration in your insurance portfolio. READ MORE >>

Lenders require that properties in designated flood zones be covered by flood insurance. But owners of property not in a designated flood zone should not be lulled into a false sense of security. Many businesses are susceptible to damage caused by floodwater or mudflow, even when they aren’t in a flood-prone area. READ MORE >>

When you have an insurance claim, the last thing you want to discover is that you didn't buy the right coverage. While it's easy to point the finger at agents, coverage gaps could be a two-way street. Sometimes friends and family members offer bad advice, including tenuous, illogical and even illegal strategies, hoping to save you a few bucks. READ MORE >>

  “If my home is damaged by a summer storm, will my insurance cover repairs?” Where water-related damage is concerned, the answer depends on whether the water came from above or below. In general, if the damage was caused by wind-driven rain that came in through your roof, windows or doors, your insurance will cover the cost of repairs. READ MORE >>

Many businesses are not prepared to respond to man-made or natural disasters. Statistics show that of the businesses that close because of a disaster, at least 1 in 4 never reopens. Small businesses are particularly at risk because they likely have all of their operations concentrated in one location that could be damaged or destroyed. READ MORE >>

Mother Nature's forces of wind, water and hail account for more than half of all homeowners insurance losses. Standard homeowners and renters policies cover the damage wreaked by wind, hail, falling water or wind-driven rain, but not from rising water from any source, including a sewer or drain backup or sump-pump failure. READ MORE >>

Basic Homeowners Insurance Does Not Cover Floods: Evaluate your need for flood insurance now. According to the National Flood Insurance Program (NFIP), all 50 states have experienced floods or flash floods in the past five years. READ MORE >>

As rainy season sets in and snow melts, flooding and mudslides can become a major hazard to your business. These risks shouldn’t be taken lightly, as water damage is among the most costly types of weather-related damage to clean up and repair. READ MORE >>

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