SALT LAKE CITY (ABC4) — As the so-called ‘never-ending winter’ comes to a close and the historic snowpack begins to melt, Utah residents will soon have another concern to address this year — flooding.

Flooding is expected across parts of the state this spring, which may have some people considering extra insurance to make it through. However, Utahns who want insurance will need to do so ASAP, as those policies require a 30-day waiting period before going into effect.

According to the Federal Emergency Management (FEMA) website, most homeowner’s insurance policies don’t cover flood damage, and just one inch of floodwater can cause up to $25,000 in damages to your home. Flood insurance covers direct physical losses to your structure and belongings.

With that in mind, what does flood insurance actually cover? The National Flood Insurance Program offers some examples online for homeowners.

When active, the building coverage protects your:

  • Electrical and plumbing systems
  • Furnaces and water heaters
  • Refrigerators, cooking stoves, and built-in appliances like dishwashers
  • Permanently installed carpeting
  • Permanently installed cabinets, paneling, and bookcases
  • Window blinds
  • Foundation walls, anchorage systems, and staircases.
  • Detached garages
  • Fuel tanks, well water tanks and pumps, and solar energy equipment

The contents protected include:

  • Personal belongings such as clothing, furniture, and electronic equipment
  • Curtains
  • Washer and dryer
  • Portable and window air conditioners
  • Microwave oven
  • Carpets not included in building coverage (e.g., carpet installed over wood floors)
  • Valuable items such as original artwork and furs (up to $2,500)

Finding and purchasing the right flood insurance is as simple as calling your insurance company or local independent agent.