7 On Your Side: California insurance commissioner has warning about insurance

SACRAMENTO, Calif. (KGO) -- As warnings of El Nio driven storms causing possible flooding are broadcast daily, California Insurance Commissioner Dave Jones, is reminding consumers flood damage is not covered by traditional homeowners insurance.

It is only available through the Federal Flood Insurance Program and must be in force for 30 days prior to a flood.

Experts are urging consumers to consider purchasing coverage well before the storms hit.

The commissioner says, "Flood insurance may be all that stands between you and devastating financial losses."

VIDEO: What is an El Nino? Meteorologist Mike Nicco explains

Mike Nicco explains an El Nino

Click here for more stories about El Nino