3 kinds of flood insurance and what they don’t cover

April showers bring so much more than May flowers, are you prepared?

Flooded streets. Storage bins floating in a waterlogged basement. Piles of moldy belongings lining the curb. These sights are only becoming more common when Spring weather hits Michigan each year. And what follows usually involves frustrating phone calls with insurance companies and budget-breaking bills.

So what can you do to make sure THIS flooding season doesn’t leave you drowning in debt?

Did you know there’s actually 3 different types of insurance that cover water damage? Do you need all of them?

And there’s one surprising side effect of flooding that none of them cover.

It’s a lot to figure out, but never fear! Nick Monacelli is going to help you sort it all out Monday morning at 6:30 on Local 4 News Today.

About the Authors:

Nick joined the Local 4 team in February of 2015. Prior to that he spent 6 years in Sacramento covering a long list of big stories including wildfires and earthquakes. Raised in Sterling Heights, he is no stranger to the deep history and pride Detroit has to offer.