Flooding pertains to more than just the overflow of rivers and large bodies of water. In fact, the fast accumulation of water in your subdivision, overflow of small creeks, and mudflow all fall under the term “flood.” Since it’s excluded by your homeowner’s policy, the addition of flood insurance may be appropriate depending on your situation. A Yavitz representative can assist you if you’d like more information. 

Flood insurance can be more affordable than you think. Depending on your flood zone, some insurance carriers will offer flood coverage without the need of going through the national flood program.