Jonathan Geissler January 11, 2021 No Comments

SnowmeltSpring is just around the corner. The weather is soon warming, days are getting longer, and birds are returning.

If you are like most people, you are welcoming the season with open arms.

Spring, however, is also the time when heavy snow dissipates, leaving copious amounts of snowmelt water, just as rain showers and seasonal storms commence. As melted snow moves downward, it eventually reaches the water table, causing it to rise. A commonly accepted model is that 10 inches of snow typically equates to one inch of water, creating a dangerous risk for basements.

April Showers Bring May FlowersAnd while spring brings about the promise of warmer weather, it is also the rainiest season of the year. Snowmelt, coupled with prevalent rainfall, can produce large amounts of runoff. The result is often severe spring flooding, a serious and expensive problem for homeowners. According to the FEMA National Flood Insurance program, flood damage is the number 1 natural disaster in America, having risen by more than 50 percent in the past decade. Flooded basements and homes amount to more than $3 billion annually in paid-out insurance claims, most of which arising from spring snowmelt and seasonal rainstorms.

How much would it cost you now? Just one inch of water could cause $25,000 of damage to your home.

Click “GET STARTED” on this interactive table from FloodSmart to help you understand your risk:


Because flood damage is not covered in a standard homeowners policy, many people are vulnerable to catastrophic losses. Since there is a 30-day waiting period from the date of purchase until your flood insurance policy goes into effect, time is of the essence. Also, if you purchase flood insurance through the National Flood Insurance Program now, and then your location is upgraded to a high-risk zone, your policy will be grandfathered in. That means your rates will slowly increase over time to adjust to the new zone, saving you on premium.

Flood insurance will protect you and is more affordable than you probably think. Additionally, sewer backup coverage, often covered in a homeowners policy, will pay for any loss or damage resulting from sump pump failure or malfunctioning.

Have you considered adding coverage before the spring season begins?

Click below for a free flood quote and premium estimate:

Flood Quote




Our top priority is protecting your assets and looking out for your interests. As an independent agency, we have the flexibility to choose from additional insurance programs that best fit your needs. For more information on flood insurance or sewer backup coverage, please contact us at 845-986-1177.





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