Flood Insurance TimeIt takes 30 days for flood insurance to take affect.
It was quite the fight against the flood last year in the Burke addition south of Grand Forks.
Morris Davidson, who lives there, says, “"I took out flood insurance last year, and that's really the only time in all of the years that I lived here that I actually took flood insurance out."
Luckily for Davidson people in the Burke Addition held back the flood waters from his home. If it had flooded, he wouldn't have been protected because he didn't take his insurance out soon enough. It takes 30 days for flood insurance to take affect.
Davidson says, “Last year we probably really had the worst of our flood before the end of March.”
That means concerned homeowners should take out insurance as soon as possible.
Agent Sharon Opdahl with State Farm Insurance says, “I believe every homeowner or business owner should consider purchasing flood insurance because that is something that is not covered under a business or homeowner policy.”
Opdahl says they haven't had a lot of people taking out flood insurance yet, but she expects it to pick up in the next few weeks.
Opdahl says, “We never know what Mother Nature is going to send our way. It gives you peace of mind, knowing you've done everything you can to protect your property.”
As for Davidson, he says he'll make up his mind soon, but he doesn't think the flooding will be as bad this year as last year.
Davidson says, “I really don't think that our snow cover out on the prairie is nearly as thick as it was some of the years when we had severe flooding.”
Still as a homeowner in the Burke Addition for almost 35 years, Davidson knows the flooding situation can change in a hurry, so he just might be taking out insurance in the next couple weeks.
The average homeowner under the preferred risk policy with a 200 thousand dollar home in Grand Forks will pay 361 dollars a year. For more information on flood insurance, go to www.floodsmart.gov.