{"id":3389,"date":"2019-10-18T15:46:24","date_gmt":"2019-10-18T15:46:24","guid":{"rendered":"http:\/\/www.www.idahoinsuranceagency.com\/?p=3389"},"modified":"2023-07-20T18:14:33","modified_gmt":"2023-07-20T18:14:33","slug":"know-when-to-purchase-flood-insurance","status":"publish","type":"post","link":"https:\/\/www.idahoinsuranceagency.com\/know-when-to-purchase-flood-insurance\/","title":{"rendered":"Know When to Purchase Flood Insurance"},"content":{"rendered":"<p>What a crazy winter it has been, first it looked as if we weren\u2019t going to be getting hardly any snow. The story has now changed, and we are looking at quite a bit of water sitting up on our hills and mountains! What does this mean? First, it will mean a very green spring. It also means that we are going to be getting a lot of run off into our reservoirs and rivers from all the snow melt.<\/p>\n<div class=\"paragraph\">\n<div class=\"paragraph\">\n<p>If we turn back the time tables to the past few years, we have had an overflowing Boise river in the spring and early summer time causing a lot of businesses and homeowners to become very nervous for their property. This is for good reason because a flood can do quite a bit of damage to the structural integrity of a building.<\/p>\n<p>How do you know when a good time to purchase flood insurance is? You will want to first make sure there are no current or forecasted flood conditions in your area. One resource to search for information is the United States Geological Survey or usgs.gov. There is a phone number you can call to find out what flood stage your nearest body of water is at. With this resource you can prepare yourself and work ahead of time to make sure you have the protection you need in case of a flooding event.<\/p>\n<p>How does flood insurance work? \u00a0Flood insurance will cover loss to your property resulting from flooding event.\u00a0 When purchasing flood insurance there are a few factors to keep in mind.\u00a0 Flood insurance has a 30-day future issue date.\u00a0 For ex: if you purchased and paid for flood insurance today the coverage begins 30 days from today.\u00a0 The Summer and Fall are the best time of year to purchase flood as the chance for existing flood conditions are very low.\u00a0\u00a0 Flood is available to purchase in the Winter and Spring, but it is a Buyer Beware purchase.\u00a0 If a flood is in progress but no flood damage has occurred, and your home incurs flood water damage after the effective date of your new flood policy, it is very likely coverage would not be provided for that damage.\u00a0 Being aware of the flood stage of the body of water nearest you and other factors such as weather forecast are details you would need when purchasing flood insurance this time of year especially.<br \/>\n\u200b<br \/>\nIf you live in an area next to a river or where flood insurance is required, give our office a call to discuss what your options are. \u00a0\u00a0In closing if you have flood insurance in place you are sleeping a little easier this time of year and if you don\u2019t and are losing sleep please give us a call.\u00a0 We at Idaho Insurance Agency look forward to helping you navigate the murky waters of flood insurance.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>What a crazy winter it has been, first it looked as if we weren\u2019t going to be getting hardly any snow. The story has now changed, and we are looking at quite a bit of water sitting up on our hills and mountains! What does this mean? First, it will mean a very green spring. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[18],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Know When to Purchase Flood Insurance - Idaho Insurance Agency<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.idahoinsuranceagency.com\/know-when-to-purchase-flood-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Know When to Purchase Flood Insurance - Idaho Insurance Agency\" \/>\n<meta property=\"og:description\" content=\"What a crazy winter it has been, first it looked as if we weren\u2019t going to be getting hardly any snow. 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