As Lake Michigan water levels continue to rise this spring, many waterfront property owners are inquiring about flood insurance.  Nicole Kirsten of Robertson Ryan & Associates in Kewaunee says it is a good time to check with your insurance agent on existing policies.  She notes flooding is not usually covered in most homeowner policies.

Kirsten adds that there are different flood zones in areas that are more prone to flooding and rates are based on those specific locations.  New flood insurance policies typically require a 30-day window before coverage becomes active.