Virginia weather has been historically wet in 2018, and flooding has occurred in areas not seen in decades. Many homeowners do not realize that standard homeowners' insurance does not cover damage from flooding. Mortgage lenders require flood insurance for homes located in designated flood zones, but flooding can occur in other areas, leaving homeowners unprotected. Also, homeowners who do not have a mortgage may neglect to get flood insurance even in flood zones. It is estimated that one inch of water in a habitable area of your home causes about $20,000 of damage, which must be remediated right away to avoid mold and rot. Contact your insurance agent to find out more about protecting your home from the risks of flooding.