The damage caused to a home from water can be devastating, and in most cases water damage is not covered by homeowners insurance. Flood and other water-related damage is a common exclusion in almost every home insurance policy. What if your home had significant water damage and you did not have flood insurance?
While flood damage is not covered by homeowners insurance, you can protect yourself with the purchase of a flood insurance policy from the government administered National Flood Insurance Program (NFIP). Flood policies are sold by independent insurance agents like us. The rates are set by the NFIP.
If your community participates in the NFIP, you can buy flood insurance regardless of where your property is located, whether it is in a high or low flood risk area.
Flood insurance can be purchased for your building and contents. Newly issued flood policies have a 30-day waiting period, so don’t delay and wait for the next storm before deciding to purchase a policy.
We would be happy to provide you with additional information and let you know what flood zone your property is located in. The destruction water can cause to your property is incredible – let us help you protect your home.
Is your house in flood zone? Give us a call and we can help answer that question.