As autumn approaches, it's crucial to assess whether your insurance coverage is adequately prepared for the potential of fall floods and storms. Fall often brings increased rainfall and the risk of hurricanes or severe storms, making it a critical time to review your policies. Standard homeowners insurance typically covers damage from wind and hail, but it rarely includes flood damage. Flood insurance, often provided by the National Flood Insurance Program (NFIP) or private insurers, is usually necessary if you live in an area prone to flooding.