The forecast is calling for several days in a row of rain next week.  The Illinois Department of Insurance is urging people to prepare and protect their homes from possible flooding.  As Illinois communities welcome springtime weather after the significant snowfall during this winter season, potentially heavy rains could result in another rough year for flood-prone areas throughout the state.  In 2013 flooding in 49 Illinois counties broke all-time records.  Floods are the most common natural disaster in the United States and one of the most expensive.  In fact, they say just a few inches of water from a flood can cause thousands of dollars in damage.  It is important to find out about insurance now, as flood insurance becomes effective 30 days after it is purchased, so the sooner you secure coverage the better.  Cost depends on where you live and amount of coverage you choose.  Standard flood coverage does not typically cover damages resulting from sewer backups or sump pump issues.  Ask if additional coverage is appropriate to add to your policy.  Ask your insurance company or agent for clarification on how flood versus water/sewer back up versus sump pump are defined.  For more information about insurance coverage in the event of a flood or other disaster, visit DOI’s website at http://insurance.illinois.gov.