Experts are predicting El Niño will bring rain, flooding, and mudslides this year.      

Years into our California drought, we're all wishing for rainfall. It looks like we're going to get it, too, but perhaps not in the form we may have expected or wanted. Scientists have been watching the weather patterns and predict that this year's El Niño will be something akin to the one California experienced in 1997. Not only did that El Niño bring record-breaking rainfall, it also brought flooding, mudslides, and millions of dollars of damage. Based on these predictions, several counties across California are shoring up dams and levees and creating catch basins near hillsides that could become oversaturated. Even so, with the mammoth-sized El Niño the experts are predicting will come our way, people anticipate we will experience flooding. As municipal, county, and state officials do what they can to ready for the coming storms in light of these predictions, it's up to individual families to prepare as well. You may think that your homeowners insurance coverage includes the protection you would need in the face of flooding - but you'd be wrong. In fact, home insurance policies typically specifically exclude flood coverage. That means that in order to protect your home, your personal property, and your family against the coming rising waters, you need a separate flood insurance policy. Note that these policies need 30 days to take effect, so it's wise to purchase yours now rather than racing the coming storm systems this fall and winter! Would you like to talk to an insurance expert about how to protect your home against the coming flooding and mudslides? If so, contact Little & Sons Insurance Group. We Serving Banning, Beaumont, Calimesa, Redlands, and all of California, we're ready to get the coverage you need to be anchored no matter how big El Niño is this year!