Insurance Markets for Your Clients


Understanding the Winter Flood Risk

Nov 06, 2019

Much of the country already has experienced cold winter weather and snow this season. Take time to remind your clients of two things that put many homeowners at risk during the winter months. 

First, the dangers of severe weather and related flooding do not end when colder weather begins. Floods are a year-round hazard, and they can be especially damaging during the winter due to heavy seasonal rains, melting snows, and other factors. 

Second, most homeowners insurance does not cover flood damage. Without the financial safety net that flood insurance provides, residents may be forced to cover thousands of dollars in damage on their own. 

A number of factors can cause winter flooding throughout the country, including intense rainstorms caused by warmer air patterns and sudden drops in temperature. 

There are simple steps property owners can take to prepare for seasonal winter flooding, and one of the most critical ways to protect homes and businesses is by obtaining flood insurance. Because flood policies typically take 30 days to become effective, residents should not wait for the next storm to take action — the time to get protected is now. 

Learn more about IIAT Advantage flood programs available to IIAT members through Selective and Assurant.

IIAT Advantage_Flood