Water Damage Restoration
4 guides
Water Damage Restoration
The Flood Insurance Program Expires September 30. If You Are Closing or Renewing in the Next Four Weeks, Here Is What Actually Stops.
The National Flood Insurance Program's authority to write and renew policies runs out at 11:59 p.m. on September 30, 2026. A lapse does not shut the program down. It stops exactly two things, and both of them land on people closing or renewing in the next four weeks. Here is the triage list, plus what your policy will and will not pay for if the basement actually floods.
Sep 2, 2026
Water Damage Restoration
Your Insurer Now Wants a Water Shutoff Device in Your Basement, and It Will Discount Your Premium to Get One
Carriers are offering credits of roughly $75 to $150 a year for automatic water shutoff valves, and some California insurers now require them to write the policy at all. Here is what each tier of hardware costs, what it actually stops, and what it will never catch.
Aug 15, 2026
Water Damage Restoration
A 'Super El Niño' Just Cut the 2026 Hurricane Forecast to One Major Storm, and It's Quietly Moving Your Home Risk From Wind to Water
NOAA now puts the odds of a below-normal 2026 hurricane season at 75 percent, and Colorado State is forecasting just one major hurricane. But both storms that have already hit were water events, not wind events, and one of them set a Louisiana rainfall record. Here is what that means for your house, what your homeowners policy will not cover, and why the calendar matters before September 30.
Aug 11, 2026
Water Damage Restoration
Your Home Sale Could Freeze on September 30: The Federal Flood Insurance Program Hits Its Deadline Again, and 40,000 Closings a Month Hang on It
The National Flood Insurance Program's authority to write and renew policies expires at 11:59 p.m. on September 30, 2026. Here is what a lapse actually does, what it does not do, and how to time a home purchase, sale, or refinance around the deadline.
Jul 21, 2026