Ah, homeownership – the epitome of adulting. You've got your mortgage, your lawn mower, and maybe even a quirky garden gnome or two. But amidst all the joys of owning a home in the greater Dayton, Ohio area, there's one thing many homeowners forget: flood insurance.

So, let’s breakdown the definition of Flood type losses: an overflowing of a large amount of water beyond its normal confines, especially over what is normally dry land.  

Picture this: you're lounging on your porch, sipping iced coffee, when April showers suddenly turn your street into a mini river. Cue the dramatic music.

More simply stated…where did that standing water come from?  Could be heavy rain that storm drains can’t keep up with, or rising waters from a body of water?  Either way, we stand there and worry about it creeping towards our home.  The last place you want to be is questioning whether you have coverage.

Now, you might be thinking, "But isn't flood coverage included in my homeowners insurance?" Oh, if only. Flood insurance is like the elusive pot of gold at the end of a rainbow – separate from your standard policy.

Why isn’t it included in your homeowner’s policy, you ask??  In flood-prone areas like Dayton, insurance companies like to keep it separate to manage risk. And with April showers bringing more flowers, it also likes to sneak more surface water onto properties, it's wise to be prepared. 

But fear not! Flood insurance is available for purchase and can be very affordable, offering peace of mind when the waters rise. Think of it as an extra bucket of protection in a downpour or a life jacket in a sea of uncertainty.

Worried about your flood risk? Visit FEMA's Map website: https://msc.fema.gov/portal/search to look up your property's flood zone. After all, better safe than soggy!

So, there you have it – the lowdown on flood coverage in Dayton. While not included in your standard policy, it's a small price for peace of mind when April showers come knocking. Reach out to Laura Wiedemann at 810-577-9691 or "laura@meridiancapstone.com" <laura [at] meridiancapstone [dot] com> for more info. After all, when it comes to protecting your home, a little humor and a lot of coverage can go a long way. 🌊