Illinois Department of Insurance Discusses Flood Insurance

Following this week's storms, the Illinois Department of Insurance is reminding homeowners and renters to review their policy coverage and make informed decisions about flood insurance.

If Illinoisans have questions or concerns about their insurance coverage, they are urged to phone the Department's Insurance Consumer Hotline toll-free at 1-866-445-5364 or visit www.insurance2.illinois.gov. 

Some tips from the Department:

--flood insurance is available in nearly 900 communities in Illinois. Flood insurance is available anywhere within those communities; both in or out of the mapped flood hazard areas

--call your insurance agent or company to inquire about the availability of flood insurance in your area. Keep in mind that flood insurance becomes effective 30 days after it is purchased, so the sooner you talk to your insurance agent or company the better

--the average flood insurance policy cost will vary by location and coverage limits

--standard flood insurance coverage does not typically cover damage resulting from sewer backups or sump pump issues. Ask your insurance agent or company if such additional coverage is appropriate to add to your policy