February 2, 2009-Bismarck Tribune

Hamm says there’s a 30-day waiting period before a policy becomes effective, and it’s imperative that people who might be at risk of spring flooding act quickly.

Hamm says homeowner’s policies don’t cover flooding. Flood insurance is underwritten by the National Flood Insurance Program. And Hamm says that since not all floods are declared disasters, people should not count on federal disaster aid to bail them out.