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Melting snow + spring showers = potential for water damage

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Mark DannehlRecent spring showers in Wisconsin and potentially heavy snowfall in the northern region (in May!) are raising concerns for flooding. When it comes to home insurance, many people aren't aware that flooding generally is not a covered loss. Home insurance policies have very limited coverage for water damage. Water damage due to drain and sewer backup or sump pump overflow may be covered if you’ve added an endorsement to your policy.

Don’t wait until your home is filled with sewer water to learn if you have this coverage. Look at your policy or contact your insurance company. If the coverage is included at the inception date of the policy, the coverage begins on that date. However, if it’s added to or increased on an existing policy, there is generally a 30-day waiting period.

You can check into purchasing flood insurance by visiting to see if your community participates in the National Flood Insurance Program (NFIP).

If you have a home policy with Member Benefits and have questions about your coverage, give us a call at

Mark Dannehl, Personal Insurance Consultant

Underwritten by WEA Property & Casualty Insurance Company. The terms and conditions of your coverage are exclusively controlled by your written policy. Please refer to your policy for details.