When the flood waters are rising, it's good to know that you have flood insurance. Many people make a quick decision to forgo the initial small cost but regret it later. During the recent Hurricane Harvey, 80% of the homes that flooded did not have flood insurance.

Don't succumb to the false security of thinking you are behind a dike, it hasn't flooded for as long as I can remember, I'm a long way from the river or many other excuses.