The last drops of summer are trickling away and before we know it the leaves will change color, the mornings will be crisp, and fall will be in full-swing. Besides being a beautiful season, it should also be one where homeowners prepare for winter and do a few housekeeping items to protect their greatest investment – their home.

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The standard insurance policy does not cover things like floods– those require a separate rider policy added on to the basic policy for complete coverage. The question is, are you covered if water starts to rise?

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