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Every spring, the joys of warmer weather unfortunately may be dampened when increased rains increase normal snow melt and cause massive flooding. Unfortunately, the lack of flood insurance will only add to the cost for homeowners already feeling the burden of loss.

If you have not purchased flood insurance for your home, consider the following five steps:

  1. Realize that you are in a flood zone. The truth is that floods happen in all 50 states, and more than 30 percent of disaster assistance for flooding goes to people who live outside of high-risk areas.
  2. Inventory your assets and determine current property values to help decide how much flood insurance you will need.
  3. Visit www.floodsmart.gov or call our service team to determine if your community participates in the National Flood Insurance Program. NFIP rates are the lowest available. However, there is a limit to the amount of coverage available through the NFIP. Currently the limits are $500,000 for a structure and $500,000 for contents.
  4. If the NFIP limits are not adequate, or you are not in a community that participates in the NFIP, call our service team. Many insurance companies offer additional flood insurance.
  5. Buy now. Flood insurance can be purchased during a flood. However, most flood policies do not take effect for 30 days from purchase.

©2014 Selective Ins. Group, Inc. (Branchville, NJ). "Selective" insurers include Selective Ins. Co. of America, Selective Ins. Co. of New England, Selective Ins. Co. of N.Y., Selective Ins. Co. of South Carolina, Selective Ins. Co. of the Southeast, Selective Way Ins. Co., Selective Cas. Ins. Co, Selective Fire and Cas. Ins. Co and Selective Auto Ins. Co. of N.J. Insurers and products available vary by jurisdiction.