National Weather Service

Call your insurance company or agent and ask for an insurance check-up to make sure you have enough homeowners insurance to repair or even replace your home. Don’t forget coverage for your car or boat. Remember, standard homeowners insurance doesn’t cover flooding.

Whether you’re a homeowner or renter, you’ll need a separate policy for it, and it’s available through your company, agent or the National Flood Insurance Program at floodsmart.gov. Act now as flood insurance requires a 30-day waiting period.

David M. Higgins II is an award-winning journalist and founder of The Southern Maryland Chronicle. A Baltimore native raised in Southern Maryland, Higgins founded the Chronicle in 2017 and has built it...