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

Posted: Updated:
YOUNGSTOWN, Ohio -

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.

 

  • Ohio/Pennsylvania NewsMore>>

  • Man steps in front of truck, sets himself on fire

    Man steps in front of truck, sets himself on fire

    Monday, September 15 2014 7:14 PM EDT2014-09-15 23:14:38 GMT
    OBERLIN, Ohio (AP) - Authorities say a man stepped into traffic on a northeast Ohio highway and then set himself on fire. Ohio State Highway Patrol officials say 28-year-old Hugo Ramos of Cleveland pulled to the side of the highway, stepped into the road and was hit by a truck. Ramos then got up, retrieved a container of gasoline from his car, swallowed some of it, poured the rest on his body and then set himself on fire as three children sat in his car. Officials say a bystander extinguishe...More >>
    OBERLIN, Ohio (AP) - Authorities say a man stepped into traffic on a northeast Ohio highway and then set himself on fire. Ohio State Highway Patrol officials say 28-year-old Hugo Ramos of Cleveland pulled to the side of the highway, stepped into the road and was hit by a truck. Ramos then got up, retrieved a container of gasoline from his car, swallowed some of it, poured the rest on his body and then set himself on fire as three children sat in his car. Officials say a bystander extinguishe...More >>
  • Police: Man lying in road struck by car, killed

    Police: Man lying in road struck by car, killed

    Monday, September 15 2014 10:29 AM EDT2014-09-15 14:29:55 GMT
    HERMINIE, Pa. (AP) - Authorities say a man apparently lying in the road in front of a western Pennsylvania high school was struck and killed by a car. Officials in Westmoreland County said the accident happened shortly after 1:40 a.m. Monday in front of Yough High School in Sewickley Township. State police said the pedestrian was apparently lying in the northbound lane of Lowber Road when he was hit by a car. Police said the driver reported seeing what appeared to be an object in the road an...More >>
    HERMINIE, Pa. (AP) - Authorities say a man apparently lying in the road in front of a western Pennsylvania high school was struck and killed by a car. Officials in Westmoreland County said the accident happened shortly after 1:40 a.m. Monday in front of Yough High School in Sewickley Township. State police said the pedestrian was apparently lying in the northbound lane of Lowber Road when he was hit by a car. Police said the driver reported seeing what appeared to be an object in the road an...More >>
  • Central Ohio teen shot to death

    Central Ohio teen shot to death

    Monday, September 15 2014 9:58 AM EDT2014-09-15 13:58:15 GMT
    COLUMBUS, Ohio (AP) - A central Ohio teenager was shot to death over the weekend. The Franklin County coroner identified the victim as 17-year-old Reb Barbee. Police say the teen was shot at about 5 a.m. Sunday in Prairie Township west of Columbus. Friends and neighbors told reporters that Barbee stumbled into his home leaving a trail of blood. The Franklin County Sheriff's Office hasn't released any details of the shooting and hasn't announced an arrest. Copyright 2014 The Associated Press....More >>
    COLUMBUS, Ohio (AP) - A central Ohio teenager was shot to death over the weekend. The Franklin County coroner identified the victim as 17-year-old Reb Barbee. Police say the teen was shot at about 5 a.m. Sunday in Prairie Township west of Columbus. Friends and neighbors told reporters that Barbee stumbled into his home leaving a trail of blood. The Franklin County Sheriff's Office hasn't released any details of the shooting and hasn't announced an arrest. Copyright 2014 The Associated Press....More >>
Powered by WorldNow
All content © Copyright 2000 - 2014 Worldnow and WFMJ. All Rights Reserved. For more information on this site, please read our Privacy Policy and Terms