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Sudden Snowmelts Could Cause Flooding

Still trying to peek around snow banks to pull out of your driveway or street?  We’ve heard plenty of customers say that they’re done with the winter and ready for the warm weather to start.  Just be careful what you wish for. 

If the weather suddenly turns warm, rapid snowmelt can increase flood risk.  A midwinter or early spring thaw can produce large amounts of runoff in a short period of time. Because the ground is hard and frozen, water cannot penetrate and be reabsorbed. The water then runs off the surface and flows into lakes, streams and rivers, causing excess water to spill over their banks.

Floods can happen almost anywhere.  They are not limited to coastal areas or to devasting tropical storms.  Everyone is at risk.

While homeowners insurance does not cover flood damage, you can purchase a separate flood insurance policy.  You can buy flood insurance no matter your flood risk, whether it’s high or low.  Policies are available to homeowners, condo owners, apartment owners, renters and business owners alike.

You can buy flood insurance from private insurance companies and independent insurance agents.  Since most flood insurance policies require a 30-day waiting period before the coverage is effective, don’t wait until the spring thaw is underway to get a policy.