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Hamm encourages consumers and business owners to consider flood insurance
 
BISMARCK, N.D.-Today, Insurance Commissioner Adam Hamm encourages homeowners, renters and business owners to think about purchasing a flood insurance policy. 

"The latest information available from the National Weather Service indicates that there is a good chance North Dakota will see some spring flooding," Hamm said. "Since there is a 30-day waiting period before a flood insurance policy becomes effective, it is imperative that people do not procrastinate but start checking into the purchase of a policy soon." 

Many people think their existing homeowner's policy covers flooding; however, flood coverage must be purchased separately as it is not covered under a homeowner's policy. Flood insurance is offered and underwritten by the National Flood Insurance Program (NFIP). Several insurance companies in North Dakota write and service flood policies through the NFIP. The list of companies is available at http://www.fema.gov/nfipInsurance/companies.jsp. 

"Get out in front of that 30-day waiting period and check into flood insurance now," Hamm said. "Don't wait until it's too late." 

Hamm added that in the past, some consumers assumed they would receive disaster relief from the federal government to recover from flood damage. 

"Not all floods are declared disasters, so consumers should not count on federal assistance," he said. 

For information regarding flood insurance coverage, please contact your insurance agent or the NFIP at 1.800.638.6620 or www.floodsmart.gov. Consumers are also welcome to call the North Dakota Insurance Department at 1.800.247.0560 or visit www.nd.gov/ndins. 

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North Dakota Insurance Department
600 E. Boulevard Ave.
Bismarck, ND 58505-0320
Phone 701.328.2440
Toll free 800.247.0560
Fax 701.328.4880

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