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Flooding got your attention? Don’t watch, take action with flood insurance

Remember when your mother forced you to take a spoonful of medicine because it was good for you? Flood insurance is good for you, and Mother Nature (and her daughter Hurricane Irene) just spooned out a dose that should motivate some people to take the medicine and protect their property by purchasing this important coverage. Most standard homeowners and business insurance policies do not cover flood damage.

Can Floridians take a lesson on flood insurance from North Dakota?

About 4,100 structures in Minot, North Dakota flooded when the Souris River defied all the manmade defenses that were supposed to control it. And, only about 375 of those property owners had flood insurance. Why, you may ask, would so few people – who lived in a valley (!!) – neglect to purchase flood insurance? Because it was optional.