Flood Insurance

The damage water can cause to a home 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 and coverage must be obtained through a separate Flood Policy. Depending on your homes location, you may not be required to obtain a flood policy by your mortgage lender, but adding a flood policy is a good idea. Whether you live near a body of water or not, every home has the risk of experiencing a flood. Most claims are triggered by heavy rains, hurricanes, melting snow, and water backup – often from overloaded drainage systems.

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 will gladly review your options for obtaining a flood policy and make sure your home is protected.

• Flood Zone Link -www.floodsmart.gov
• Facts about floods – http://www.floodsmart.gov/floodsmart/pages/flood_facts.jsp