Floods can be disastrous, even if you're well prepared. Flood insurance is an essential layer of protection for many homeowners that can protect your home and personal belongings.
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Floods can happen anytime, anywhere, often without warning. They occur even in places you'd least expect them to. Floods can be devastating to your home, personal property, and belongings, and are often expensive to repair.
Many people believe that damage from a flood is covered under their home or business insurance policies - it's not. Unfortunately, people that believe this end up being responsible for costly repairs and replacements after a flood has occurred.
Luckily, you can protect your property and personal belongings from flood damage by purchasing a flood insurance policy. Flood insurance can offer you protection from damage due to heavy or prolonged rain, costal storm surges, melting snow, blocked storm drains, and more.
Flood insurance helps you pay for damage to your building or personal property, such as:
In addition, flood insurance can help pay for debris and mud removal, which can be a difficult and costly process.
If you rent, you are able to purchase coverage for just your personal belongings.
Did you know that your homeowners insurance does not cover flood damage? Insurance against floods must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture, and remove debris.
The Federal Emergency Management Agency's (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.
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