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Rich Halberg

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When the water recedes, you can see any buckling and contraction that wouldn't be there when it's wet.

Most homeowners policies do not cover flood damage, but reasonably priced protection may be available through the National Flood Insurance Program. Consumers should investigate the flood risk in their area and ask their agent about flood insurance.

Buying a flood insurance policy today does not mean you'll be covered for the storms expected this week. But keep in mind that the rainy season runs through March, and sometimes later into the spring.

If you own expensive or rare items, Scheduled Personal Property coverage is a practical way to protect your investment and achieve peace of mind. The best part about this type of coverage is that it offers all-risk protection, which means customers are insured for all different types of perils, including loss of the stone, a chip in the diamond, misplacing the item, and so on. Unless the peril is specifically mentioned in the policy as being excluded, then the item is covered.

The idea of losing a diamond is certainly devastating. But by properly insuring your valuables, you can rest a little easier knowing your investment won't go down the drain.

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