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Minnesotans are urged to review flood coverage

March 10, 2013 at 12:59AM
Ted Marti, the fifth generation of his family to head the 147-year old August Schell Brewing Co., is shown in the New Ulm, Mn, company's origional brewhouse. ORG XMIT: ORG XMIT: MIN2013030821360486
Marti (The Minnesota Star Tribune)

The state Department of Commerce is warning Minnesotans to review whether they might need flood insurance as winter ebbs.

The agency points out that flood damage is not covered under a standard homeowner's insurance policy. Warming weather, along with heavy snowfall totals in February and early March, make flooding a strong possibility in many parts of the state.

Flood insurance is a special policy offered through the National Flood Insurance Program. Consumers can check with their insurance agent to see if it's available through them.

Flood insurance has a 30-day period after purchase before it becomes effective.

Homeowners should also find out whether their home is in a 100-year flood plain or a 500-year flood plain.

However, that is not a requirement in order to purchase insurance.

ASSOCIATED PRESS

@ap

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