According to the Federal Emergency Management Agency (FEMA), flooding is the #1 natural disaster in the United States. You don’t need to live near water to be flooded – in fact up to 30% of flood insurance claims come from low- to – moderate risk areas. Anything from a broken sewer line to slow moving rainstorm, can cause flooding to occur. Unfortunately, you can live miles away from water and still be a victim of flooding.
Having flood insurance is vital; however, most home owners’ policies do not provide flood coverage. So many people think that they don’t need flood insurance because federal disaster assistance will cover their losses. However, floods are not always declared a federal disaster. In addition, aid is usually in the form of a loan that must be paid back with interest.
Flood insurance, on the other hand, pays for all covered losses, and, unlike loans, that money doesn’t have to be paid back. If you are a property owner who has not already purchased flood insurance, you are encouraged to do so soon.
Don’t wait until it’s too late to consider a potential flood catastrophe. There is a standard 30-day waiting period before the policy becomes effective. We are dedicated to protecting you and your family in the event of a disaster. To ensure you have the proper coverage’s to protect your possessions give us a call today.