For you, summer ending means the pool closes and the kids go back to school.
For Indiana this year, summer ending means a major disaster declaration. Trump approved it in August for 21 counties after storms and flooding killed at least 5 people. Another 30-plus counties are still under review.
That’s not weather.
That’s a book of business getting rewritten in real time.
The Flood Gap Nobody Talked About Until Now
Homeowners across Indiana got hit by what people are calling a 100-year flood this year. Almost none of them had flood coverage.
That’s not a coverage gap.
That’s a conversation your agency never had.
Standard homeowners policies don’t cover flood. Every client who assumed it did just found that out the hard way, some of them from a total loss with no check coming.
This Is Bigger Than One Bad Storm Season
Modelers are already saying Tornado Alley is shifting east, right into the Midwest. Indiana isn’t the exception anymore. It’s becoming the pattern.
That changes how carriers price your state. Not just this renewal. Every renewal after it.
What To Do About It Before Renewals Land
Don’t wait for the next event to have this conversation.
- Pull every homeowners policy in a declared county and check for flood coverage, not just wind and hail.
- Call clients in flood-prone areas before renewal, not after a claim gets denied.
- Document any storm damage now. Adjusters are backed up, and a slow claim costs you the relationship, not the carrier.
- Have the flood conversation with everyone, not just the zip codes that sound coastal. Indiana just proved that assumption wrong.
Indiana’s storm season made the news because of the disaster declaration.
For your agency, the real story is every policy that didn’t have the coverage it needed.
Fix that before the next storm does it for you.
No hype here. Just what the disaster declaration already told us.
If you don’t know whether your policy covers flood, don’t find out during the next storm. Contact The Insurance Alliance Indiana. We’ll look at your coverage, tell you the gaps, and get it fixed before it costs you a total loss.
