Hurricane Debby has downgraded to a post-tropical storm after causing significant flooding in the southeastern U.S. and is predicted to bring heavy rain to the Mid-Atlantic and Northeast. Homeowners should be aware that standard homeowners insurance does not cover flood damage; a separate flood insurance policy is necessary, and such policies typically exclude coverage for personal belongings stored in basements. As flood risks increase with climate change, homeowners are advised to ensure their belongings are stored on higher ground to avoid potential losses.
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