Here Come the Floods. How to Be Sure You're Covered

http://www.cnbc.com/id/100678404

 Joe Kozlowski looks out on his flooded property from his porch in Fox Lake, Illinois.

The spring floods are here and the summer hurricanes are not that far away.
Flooding is the most common natural disaster in the United States, according to the Federal Emergency Management Agency (FEMA).
The standard homeowner's insurance policy does not cover flood damage. You need to buy a separate policy from the National Flood Insurance Program or a private company

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