Tips on protecting your home with flood insurance - 21 News Now, More Local News for Youngstown, Ohio -

Tips on protecting your home with flood insurance

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This latest round of storms and heavy rains across the Mahoning Valley has many people thinking again about flood insurance.

Water in your home or business can be a nightmare, especially if you don't have insurance. There is a national flood insurance policy, which is underwritten by the federal government. You can also purchase endorsements or riders that protect against drain and sewer back-ups.

"Those are two different things, but those are some of your options. One, you can go through your homeowners for a back up sewer and drain, or outside to that federal policy for actual flood insurance," said Jim Leugers, with State Farm Insurance.

The cost, or premium for flood and water protection is generally affordable, but depends upon the type and amount of coverage you choose.

"You can cover just the structure or you can cover the structure and your contents," said Leugers.

There are things you can do to protect items in your basement. Place items you want to protect in plastic bins. Use risers to elevate appliances, such as the washer and dryer or furniture. Another important tip, make sure to take pictures to document your belongings.

"Whether it's video, whether it's pictures, it's easy today with digital cameras, cell phones, other things like that, just to kind of walk around the room make sure you've got things," said Leugers.

Pictures will come in real handy, if and when you file a claim. The best advice, Leugers said is take time to do a little research before you buy, "Become educated on what you can get and then make that decision, whether it be price coverage, limitations, whether or not that's the right selection for you."

There is a 30 day waiting period for flood insurance.


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