As Temps Rise and Spring Rains Come it is Important to Read and Understand Your Insurance Policies

Written by Theresa Rose on March 10, 2019


Des Moines – The Iowa Insurance Division is reminding Iowans to read and understand what will or will not be covered in their homeowners and flood insurance policies as temperatures begin to warm up and there is potential for rapid melting of accumulated snowfall.

“It’s important for Iowans to review and understand their current insurance coverages.  Water and sewer backup coverage is different than flood insurance.  While some homeowners policies include the provisions, neither are automatically included as part of a regular homeowners policy,” Iowa Insurance Commissioner Doug Ommen said.

Typically, there is a 30-day waiting period before flood insurance takes effect.  Flood insurance is available through the National Flood Insurance Program (NFIP) and can be purchased through many licensed property insurance agents.  Iowans can find a licensed agent at

An Iowan can purchase separate policies for a building or its contents through the NFIP.  The program also offers flood insurance for renters and businesses.

“Flood insurance, as well as water and sewer backup coverage in a homeowners policy, isn’t just for those in the most flood-prone areas,” Ommen said.  “Nationally, more than 20 percent of all NFIP flood insurance claims come from properties mapped outside of high-risk flood areas.”

The NFIP offers lower-cost Preferred Risk Policies specifically designed for residential properties located in moderate- to low-risk flood zones.  The FEMA Flood Map Service Center is the official public source for flood hazard information in support of the NFIP.  You can use the service to find your official flood map.

More information about flood insurance is available at  As with any insurance policy, carefully review the details before purchasing.  It is important to know what is and what is not covered by the policy.

The Iowa Insurance Division is available at or 515-281-5705 for questions or if assistance is needed.