The spring flood season is just around the corner. According to FEMA, floods are the most expensive type of disaster in the U.S., and everyone should have a home and/or business safety plan that includes flood insurance. Flood insurance does not just cover damage from excessive rains or bodies of water that reach flood stage. It covers water damage in general, including a malfunctioned sump pump, burst or broken pipe or a leaky roof. Even if you do not live in a flood-zone, having a flood insurance policy can help save you money when it comes to the high costs associated with recovering from water damage.