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139. Does Homeowners Insurance Cover Flooding? What You Need to Know Before the Next Storm

Season #2

Episode Title: 

Does Homeowners Insurance Cover Flooding? What You Need to Know Before the Next Storm 

Episode Description (Show Notes): 

With flooding on the rise across the U.S. — and many homeowners learning too late that they’re not actually covered — this episode of The Fit Financial Podcast couldn’t be more timely. 

Shawn and Amanda Hanquist break down what your homeowners insurance really covers, how flood insurance works, and why most people are dangerously underprepared for a natural disaster — financially and emotionally. 

Whether you're a homeowner, business owner, or someone who just wants to get ahead of the next storm, this episode walks you through how to potentially protect your wealth, your home, and your peace of mind. 

In This Episode, You’ll Learn: 

  • What’s actually covered by standard homeowners insurance (and what’s not) 
  • How flood insurance works — and whether you really need it 
  • The 30-day waiting period mistake that leaves many people unprotected 
  • Financial steps to take before disaster strikes 
  • How business owners working from home face even more insurance gaps 
  • Why behavioral blind spots keep us from preparing — and how to fix them 
  • What you need in your emergency fund if the unexpected happens 

Want to Make Sure You're Covered Before the Next Storm? 

Your financial plan should work in every season — including the hard ones. 

 If you’re unsure about your current insurance, emergency strategy, or how to guard your wealth from the unexpected, let’s fix that. 

👉 Book your Risk Readiness Call with our team at fitwealthadvisors.com 

We’ll help you uncover the gaps you didn’t know you had — and build a strategy that holds up, even when life doesn’t go as planned. 

🔗 Helpful Links: 

  • Learn more about flood zones: FEMA.gov 

Follow us on Instagram: 

 @thefitfinancial_ | @fitwealthadvisors 

Subscribe to The Fit Financial Podcast on Apple or Spotify. 

 

The Fit Wealth Show is brought to you by Plan Group Financial, Inc. (PGF) d/b/a Fit Wealth Advisors. PGF d/b/a Fit Wealth Advisors is an investment adviser registered under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply any level of skill or training. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Past performance is not indicative of future results.