How a flood insurance policy protects you and where it falls short

SALT LAKE CITY — All the snow up in them-thar-hills is not going to stay there. If it melts too quickly, even folks not in typical flood zones may have issues. If that water does end up in your basement, you shouldn’t expect help from your standard homeowners insurance policy. “Flood insurance is a different ballgame,” insurance agent Bekka Carlson said. Different, because unlike most homeowners polices, flood insurance comes from the federal government’s National Flood Insurance Program. And there are two different kinds of flood insurance: Building Coverage and Contents Coverage. Building Coverage covers items that are “connected to…