LAS VEGAS (FOX5) —The Nevada Division of Insurance is urging people to prepare for possible El Niño flooding this fall and winter.
Southern Nevada was recently hit by remnants of Tropical Storm Rachel, which the Insurance Division just cited.
The division said standard homeowners policies, rental policies and commercial insurance policies do not cover flood damage.
“Even in the event of a federal disaster, aid is typically provided in the form of low-interest loans which must be paid back and are likely to only cover a portion of your costs,” said Insurance Commissioner Ned Gains.
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The division said the comprehensive portion of auto coverage could cover damage if a car was soaked.
The state said several insurers offer private flood policies. Flood insurance is also available through the National Flood Insurance Program. People can go to FloodSmart.gov for more information about flood insurance options.
Officials also recommend being “30 Days Ready” for any emergency, with large storms potentially bringing extended power outages, evacuations, or extended days where families are required to stay at home.
Nevada Division of Insurance Flood Insurance Information can be found here. Nevada Consumer’s Guide to Flood Insurance can be found here.
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