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As we approach Spring, be ready for rain, rain, and more rain.  As a reminder to all homeowners, rains which enter into a home are NOT covered by homeowner policies.  Water which runs on top of driveway, patio, deck or the yard is called surface water.  Surface water entering a home simply is NOT covered by home policies.  In fact, if a fire hydrant spews water which runs down a hill into a garage or house is also NOT covered by homeowner policy, as it is considered surface water.   

It floods in every state and every house is subject to flood damage from not only rising waters but the homes not located near rising waters is subject to down pours and flash floods.   Homes not located in a path of frequent flooding can purchase a flood policy for as little as $250 a year.  One inch of water in a home could costs $25,000 in damage.  

for more information contact Flanigan Insurance @ 314-727-6000 or email me at

Posted 1:18 PM

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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Flanigan Insurance Agency Inc to provide information that may be of interest. Flanigan Insurance Agency Inc is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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13422 Clayton Rd., Suite 203 | St Louis, MO 63131 | Ph: 314-727-6000 | Fx: 314-727-6027 Powered by Insurance Website Builder

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