InsuranceArm 6 Vital Questions to Ask a Washington Insurance AgentAbout...

InsuranceArm.com warns the residents of Washington to be sure they have adequate flood insurance this year. Flood warnings are typical this time of year, but residents near Kent, Washington, have another possible source of flood water to worry about. The Army Corps of Engineers has said they may need to release water into the area while repairs are made to the Howard Hanson Dam.

Jim Hunt President/CEO Bell-Anderson Agency, Inc. a Kent, Wa, insurance (http://www.insurancearm.com/kent-washington-insurance.php) company, warns that many people don's8217;t have adequate coverage if there is flooding. 's8220;Though limited in its scope and limits of coverage, the The National Flood Insurance Program (http://www.fema.gov/business/nfip/) (NFIP) has the only commercially available policies that specifically define Flood Coverage to include 's8216;unusual and rapid accumulation or runoff of surface waters from any source.'s8217; This includes the current 's8212; the intentional release of waters by the Corps of Engineers,'s8221; he said.

Most insurance agents do not realize that if they write a Difference in Conditions policy (DIC), which normally covers Earthquake, Landslide and Flood it will not cover if the flooding is caused by Governmental action. This is what will cause flooding if the Army Corp of Engineers releases water to save the Howard Hansen Dam. Decks, patios, fencing and other outbuildings are not covered.

's8220;There is a significant risk of flooding in areas around the Howard Hanson Dam. If you have a flood insurance policy, be sure to read it. Ask us any questions you have about your coverage. If you don's8217;t have coverage, I cannot stress enough the urgency to do so NOW. There are 30-day waiting periods after approval and payment,'s8221; said Hunt. Bell-Anderson Agency is Arm Northwest's8217;s Kent, Wa, insurance (http://www.insurancearm.com/kent-washington-insurance.php) Kent, Washington, insurance provider.

's8220;Several insurers are now canceling coverage in the middle of the policy term due to the elevated possibility of loss. There remains a very limited marketplace for Flood Coverage outside of the NFIP,'s8221; Contact a local insurance agent and don's8217;t be satisfied with signing up for flood insurance. Ask detailed questions to the agent. Know what is and what is not covered.

Insurance policies usually take 30 days to go into effect. Act sooner rather than later as the winter months approach when precipitation typically increases.

Here are 6 questions to ask an insurance agent about flood insurance:

1. What is covered on my property (as in my lot or land)

2. What is covered structurally on my house/condo

3. What is covered as far as my possessions that are on my property

4. Is temporary residence like a hotel or apartment covered if my residence is damaged

5. Am I covered for flooding caused by Government induced flooding or flooding caused by Government construction

6. Am I covered if a landslide happens as a result of a flood

Watch the InsuranceArm blog (http://www.insurancearm.com/blog) at http://www.insurancearm.com/blog for updates on the situation.

About ARM Northwest

Associated Risk Managers (ARM) of the Northwest is a professionally managed insurance marketing association. The ARM concept brings together motivated and committed agencies to develop, market, and sell insurance products to individuals, associations, and target industries.

ARM Northwest member agencies are independently owned and draw from ARMs marketing and sales support including training and education, producer development and perpetuation.

Look for insurance agents in Washington and Idaho at www.InsuranceArm.com

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