Important Things to Know About Flood Insurance

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Important Things to Know About Flood Insurance
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An Overview

• Based on recent months and years, it has become
  evident that floods can happen unpredictably and
  in any season. The resulting floodwaters can
  inflict significant and expensive damage to your
  residence. By comprehending the flood risk
  associated with your home and exploring available
  flood insurance choices, you can make informed
  decisions that provide security and peace of mind
  for your family and property.

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A Few Things That You Need To Know About Flood
Insurance Are

• Flooding stands as the prevailing disaster in the
  United States.
• Your homeowners insurance policy does not provide
  coverage for flood-related damages.
• Who needs flood insurance?

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Flooding stands as the prevailing disaster in
United States.

• In the United States, flooding takes the lead as
  the most prevalent and financially burdensome
  disaster. As indicated by FEMA, floods transpire
  across all regions of the country and result in
  the greatest harm to homes compared to other
  natural calamities. It is noteworthy that
  approximately 90 of all natural disasters
  involve some degree of flooding.

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Your homeowners insurance policy does not provide
coverage for flood-related damages.

• Typically, a standard home, condo, or renter's
  insurance policy does not incorporate coverage
  for floods. While homeowners insurance may offer
  protection against water damage resulting from
  issues like a pipe leak or roof damage, it does
  not extend coverage to flood-related causes such
  as heavy rainfall or storm surge. To ensure you
  are safeguarded in the event of a flood, it is
  necessary to purchase flood insurance. You can
  obtain flood insurance through private carriers
  like Florida Peninsula or through the National
  Flood Insurance Program (NFIP).

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Who Needs Flood Insurance?

• The risk of flood damage to your home can vary
  based on its location, with some areas facing
  higher or lower risks. Regardless of whether your
  home is in a designated flood zone, you have the
  option to purchase flood insurance. Surprisingly,
  approximately 25 of flood insurance claims filed
  with the NFIP originate from regions considered
  to have a moderate to low risk of flooding.

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