Insurance department: Be prepared for flooding
SPECIAL TO THE VINDICATOR
COLUMBUS — As the ice and snow begin to melt and spring storms near, the Ohio Department of Insurance is urging Ohioans to prepare for severe weather and possible flood damage by reviewing their insurance policies to determine whether they are adequately covered.
“If you do suffer property damage, it is important to understand the claims process,” Director Hudson said.
Typical homeowners’ insurance policies do not include flood insurance, which is sold as separate coverage by licensed insurance agents. There is a 30-day waiting period from the time you purchase a flood-insurance policy before coverage actually becomes effective.
Flood insurance does not cover damage to property directly caused by rain entering through an opening in a wall or the roof.
These types of losses may be covered by traditional homeowners policies. In addition, traditional policies do not usually cover flooded basements caused by backed-up sewers or the inability of sump pumps to handle runoff water from major downpours, but add-on coverage can be purchased.
Ohioans whose cars are damaged by floodwaters are encouraged to contact their auto insurance agent to see if their auto insurance policy covers flood damage.
Ohioans with questions about severe weather preparedness, insurance claims or flood coverage can call the Ohio Department of Insurance at (800) 686-1526 or visit, www.ohioinsurance.gov.