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Floods can happen anytime or any where. Even in the same place twice. Floods are the leading natural cause of property damage. Four times more homes are destroyed by flood than by fire, causing over $2 billion in property damage every year. Having the proper Flood Insurance can protect you.
But who needed this flood insurance – as you don’t have to live by water to be at risk. But one thing have to keep in mind that home insurance does not cover flood insurance, but flood insurance does.
Flood insurance also covers mud flow, dirt and debris resulting from moving water. Homeowners with mortgaged property in a Special Flood Hazard Area (SFHA) are now required by federal law to obtain flood insurance. Lenders must comply by requiring flood insurance on the outstanding mortgage balance for the life of the loan. Cost and coverage are – Your coverage is based on your home’s value, minus your land value. Flood Insurance up to $250,000 is available for residential buildings and also the option of up to $100,000 for contents. Since flood policies are backed by the US government, all valid claims are 100% guaranteed.
If you should have any questions regarding Flood Insurance, or we can assist you with a quote, please feel free to contact us now!