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Wherever you live, it’s important to protect your home and your assets by having flood insurance.
Why should you consider flood insurance?
Just because you don’t live in a high flood risk area doesn’t mean it’ll never happen to you. Insurance coverage may help protect your home from rising waters—even if you’re not in a flood zone.
Debunking the three myths of flood insurance.
There are three major myths floating around about flood insurance, and if you buy into these myths, you could be taking an unnecessary risk. These myths are that coverage is only needed for people in flood zones, that home insurance covers flooding, and that government programs take care of flood coverage. We’ll debunk these myths so you can understand the full extent of flood coverage and how it actually works.
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Building Coverage: Foundation
Risk Factor
Damage to the foundation, staircases, and anchorage systems can compromise the structural integrity of your home, leading to major structural problems.
Solution
Building Coverage for the Foundation covers damage to these critical structural components, ensuring your home's stability and safety.
Building Coverage: Garage
Risk Factor
Detached garages are vulnerable to flood damage during covered events, sometimes requiring repairs or rebuilding.
Solution
Building Coverage for the Garage protects detached garages from flood damage, providing financial security during such events.
Building Coverage: Electrical & Plumbing
Risk Factor
Floods can cause extensive damage to electrical and plumbing systems, leading to dangerous situations and invasive repairs.
Solution
Building Coverage for Electrical & Plumbing safeguards you against flood-related damage to these essential systems, ensuring safety and financial protection.
Building Coverage: Appliances
Risk Factor
Floods can damage permanently installed appliances and cabinetry, resulting in high replacement or repair costs.
Solution
Building Coverage for Appliances covers damage to these essential components, maintaining the functionality and aesthetics of your home.
Contents Coverage: Furniture
Risk Factor
Floods can damage or destroy furniture such as couches, tables, and beds, leading to significant financial loss.
Solution
Contents Coverage for Furniture protects against damage to these items, ensuring you can replace or repair them after a flood.
Contents Coverage: Electronics
Risk Factor
Home electronics and some mobile appliances, such as washers, dryers, and microwaves, are susceptible to flood damage, which can result in costly replacements.
Solution
Contents Coverage for Electronics covers damage to these items, providing financial relief in the event of a flood.
Contents Coverage: Clothing
Risk Factor
Flood water can ruin clothing, leading to unexpected expenses to replace essential garments.
Solution
Contents Coverage for Clothing protects your clothing from flood water damage, ensuring you can replace damaged items without financial strain.
Flooding is a risk no matter where you live.
The first myth is that insurance is only needed for people living in designated flood zones. In reality, flooding is a potential risk everywhere and the damage can be devastating. Just because you don’t live in a high flood risk area doesn’t mean it’ll never happen to you. You need specialized insurance coverage to help protect your home from rising waters—even if you’re not in a flood zone.
Home insurance doesn’t typically cover flood damage.
Another myth is that home insurance automatically includes flood coverage. In reality, that is usually not the norm, and you should always assume you aren’t covered unless your home insurance policy specifically says otherwise. If it does not include coverage for floods, you’ll need to get a separate flood insurance policy to help protect your home from the unexpected.
Few homes are covered by government programs.
The third myth is that government programs have taken care of damages caused by flooding. There is a National Flood Insurance Program that guarantees the availability of insurance in specific areas. However, this only covers a small percentage of homes. If you do not have coverage through a government program, you’ll need to find a policy that fits your needs.
What is considered a flood?
The specifics of what’s covered may vary depending on your policy, but for the most part, flood policies may cover losses from floods caused by rainstorms, snowmelt, storm drainage systems, and dam failures.
What is the cost of flood insurance?
Costs for your flood policy may depend on the amount of risk for flooding in the area where your home is.
The difference between having and not having a flood policy.
For most homeowners, floods are a low likelihood but high-cost risk. If you are hit by flooding you could lose most of your personal possessions, face major reconstruction work, or even be left homeless for months while your property is made habitable again. In most cases, not having coverage for flooding is a chance you simply can’t afford to take. There are many factors that go into tailoring a policy for your home, so it’s important to understand the reality of insurance and why it’s important to have it.
Do you need flood insurance for your home? Contact us to go over the benefits of obtaining a separate policy to fill in the gaps of your home insurance policy.
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Flood Insurance Quote Request
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