Are You Covered For A Flood Loss?
A Flood Insurance Update
In a recent study by the Federal Government, over 45 million American homes are at risk from flooding waters. This does not include those in coastal waters. It may be time for you to consider flood insurance.
In case you have not noticed, flooding is occurring all over the country. In addition, other conditions can alter the flood outlook, including changing the climate or the effects of El Nino or La Nina. Our community has continued risks from flooding, and we want you to be informed.
Many weather experts tell us that if you are in a 100-year floodplain, or live close to waterways, you have about a 60% chance each year of having a flood.
Flood insurance needs to be purchased as a separate policy. Flood insurance covers your home and personal property. Flood losses are excluded under all homeowner’s insurance policies. We can help you secure flood coverage through the National Flood Insurance Program. If you live in a low-risk area, premiums start as low as $150.00 per year for your home.
Flood insurance will not cover any loss to vehicles, mold, money, or temporary housing expenses. You can determine whether you’re in a low or high-risk flood area by reviewing the flood maps at FEMA’s Flood Map Service Center, or by consulting with our office