 
April started out with April Fool's Day, but flooding is no joke. Flood damage is one of the most common and costly disasters in the United States. Flooding can occur almost anywhere, even if you do not live in a high-risk area known as a “special hazard flood zone.”
It is important to understand that homeowners policies generally do not cover flood damage. You should evaluate your risks and take steps to protect your home or business from flooding. Just one inch of flood water can cause $25,000 in damages to your home. One way to manage your risks is to purchase additional insurance to cover damage caused by flooding. Flood insurance is less expensive than you might think.
Also, when flooding is imminent or predicted, the National Flood Insurance Program (NFIP) policyholders are eligible to receive up to $1,000 to purchase supplies in advance like tarps, sandbags, and more.
While the Maryland Insurance Administration does not sell insurance and we cannot recommend a particular policy or insurance company, we do want to help you learn what types of coverage are available. Additionally, we are here to assist you if you have a complaint involving an insurer, an insurance producer, public adjuster or adviser.
To learn more about Flood Insurance, visit our flood resources on our website.
On March 26, 2024, the Francis Scott Key Bridge collapsed causing many interruptions resulting in losses for individuals and businesses. The Maryland Insurance Administration is encouraging all carriers doing business in the state to make reasonable accommodations so that individuals and businesses impacted by the reduced operations of the Port of Baltimore do not lose coverage due to non-payment of premium.
Visit our website to learn about insurance company accommodations. We have compiled specific resources as it relates to insurance in response to the bridge collapse. Click the button below or click here.
April is also Stress Awareness Month. The collapse of the Francis Scott Key Bridge in Baltimore and the footage of the collision can give rise to feelings of shock, grief and sadness. Below are resources shared by several partner organizations as it relates to stress and disaster distress:
 |
|
Artificial Intelligence
The Maryland Insurance Administration issued a bulletin on insurance companies’ use of artificial intelligence, which provides regulatory direction to insurance companies regarding their use of artificial intelligence. To read the news release, click here.
|
Look Twice!
It's that time of year when motorcyclists take to the road. Motorcycle insurance is similar to auto insurance. You may wish to purchase additional coverages such as coverage for any equipment or customization on your motorcycle. Find out more FAQs: click here.
|
|
 |
 |
|
Document Storage
Store all your important insurance documents in a safety deposit box and/or on the cloud to protect them from weather-related hazards. For more tips on how to prepare for a disaster, click here.
|
National Healthcare Decisions Day
All adults can benefit from thinking about what their health care choices would be if they were unable to speak for themselves. Documenting what matters to you is even more important to make sure your wishes are understood and honored. Visit the Maryland Department of Aging for resources: click here.
|
|
 |
 |
|
Life Insurance
The NAIC Life Policy Locator can assist you as consumers in locating life insurance policies and annuity contracts of a deceased family member or close relationship. To learn more, click here.
For resources to learn more about life insurance, visit our website here.
|
Want a Home Run?
Make sure your gutters and downspouts are clear of debris! Look for holes, rust spots, broken supports, and clear out any debris. Make sure your gutters are ready for heavy rains! For more tips on how to prepare for a storm, click here.
|
|
 |
 |
|
Happy Arbor Day!
We love trees until they fall on your property or vehicle. If a tree (or your neighbors tree) falls on your property, do you know who's at fault? Read this consumer advisory to learn more: click here.
|
Consumers are encouraged to report insurance fraud activities to the Maryland Insurance Administration's Insurance Fraud Division. We have compiled resources to help you learn how to recognize insurance fraud and report it.
 |
|
We love answering your insurance-related questions!
To find an event virtually or in-person, visit our website.
Pictured: Business Disaster Recovery Center - Baltimore City location
|
Come grow with a great team with a strong culture of service! The Maryland Insurance Administration is hiring for all levels of experience. Learn more about our opportunities on our website:
Would you know what to do if you are denied insurance coverage for medically necessary care or emergency appeals? You can reach the Maryland Insurance Administration 24/7, 365 days per year. Call our 24/7 Hotline at 1-800-492-6116 or click here for more information.
The Maryland Insurance Administration has resources to help you through a mental health or substance-use crisis. Read our Consumer Advisory on how to get started with help for mental health or substance-use concerns.
|
