We would again remind all Lodges that the Self-Insured Property Plus Program does not provide flood insurance.

The exclusion in this Program, which is similar in all comparable package policies, is as follows: “Flood, surface water, waves, tides, tidal waves or overflow of any body of water (whether driven by wind or not) or mud slides or mud flow.” A loss of this type without specific coverage would leave the Lodge uninsured.

If a Lodge is in a flood plain; if there is a realistic chance of floods; or if there is a risk associated with tidal activity, the Lodge should investigate obtaining flood insurance through a governmental plan or through private carriers. Lodges can also obtain such separate and independent insurance by contacting Aon at 1-800-421-3557 for a quote.