By Rob Fischer Policy Project Manager, Casualty If you are a relatively new homeowner like myself, you’ve recently discovered that toward the end of a long exhausting process of finding, bidding on, and closing on a home, you are then required to learn about what kind of homeowner’s insurance coverage you will need. What you may not realize, as I didn’t, is that your homeowner’s insurance does not insure you against flooding caused by storm surge or rising waters in your neighborhood.