Here’s the reality: Most homeowners in Des Moines think first about fire, theft, or tornadoes when they picture threats to their property. Fair enough, those dangers are obvious. But there’s another hidden risk quietly causing damage across Iowa that many homeowners overlook until it’s too late: water intrusion from heavy rains and aging infrastructure. What may seem like a small leak around a basement window can, over time, damage your foundation and lead to expensive and unnecessary repairs. The real danger isn’t just the water; it’s the assumption that you’re safe.

Why It’s Often Overlooked in Des Moines

Des Moines sits at the crossroads of major rivers, with neighborhoods built on a mix of flood-prone areas and high ground. Add increasingly heavy rainstorms and an aging housing stock, and the risk of hidden water damage continues to rise. Unfortunately, many homeowners underestimate or ignore this risk, assuming their standard policy covers everything. The truth is, depending on how and where the water enters, you may or may not be covered. Are you ready to take that gamble? At Max Insurance LLC, serving the Des Moines, IA area, we work with you to look beyond assumptions and address the risks you’re actually facing.

Planning Ahead Beats Scrambling Later

Once water seeps in, the cost isn’t just structural. It disrupts your life, compromises your family’s safety, and can even affect the value of your long-term investment. By the time the problem becomes obvious, it’s often too late. That’s why reviewing your coverage now, before the next round of heavy rain, makes practical sense and provides peace of mind. A few simple adjustments today can make all the difference when the unexpected happens.

At Max Insurance LLC, serving Des Moines, IA, we specialize in helping homeowners identify risks that often remain invisible until they cause significant damage. If you’re unsure whether your current policy protects you against water-related damages, reach out to us. We’ll review your coverage and ensure you’re not leaving this often-overlooked threat unaddressed.