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.

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If residents and business owners near the Mississippi River do not have flood insurance, now is the time to get it. The” Winona Daily News” reports the National Weather Service predicts the famous river will reach “moderate flood stage.” However, record-breaking floods are cautiously predicted.

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The year 2009 was one of record-setting devastation for those near the Red River in North Dakota. Since then, the city of Fargo has purchased 50 properties in an attempt to protect the city from flooding without the need to use sandbags. However, homeowner John Stern will not budge.

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It is easy for a home or business owner to look for the cheapest insurance premium, sign on the dotted line and pay the minimum amount due. However, many do not realize is that they may not have sufficient coverage until they need to file a claim. Understanding the details regarding a commercial insurance policy can help ensure business continuity and get life back to normal faster.

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One of the greatest sources of pride in a person’s life is home ownership. To help protect this lifestyle, individuals purchase homeowners insurance so they have assistance in the event of a disaster. Homeowner’s policies cover damage due to events such as fires, theft, strong winds, lightening strikes and so on, but there are common events that are not covered.

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