"I don't need flood insurance, I have homeowner insurance I am covered...." Wrong. In this blog we will discuss exactly what flood insurance is and why you may want to cover your home. Flood insurance pays for damage to a home caused by storm surges. A storm surge as defined by Google is " a rising of the sea as a result of atmospheric pressure changes and wind associated with a storm." In the words of many underwriters and insurance agents a flood is the cause of rising wat