Flood Insurance? I Don’t Live in a Flood Zone

Here’s the thing… Mother Nature decides whether you live in a flood zone or not. Given the right conditions, she can make it flood anywhere at any time. Not even Meteorologists can be 100% correct on the weather, especially if you live in Texas. It can snow in the morning and by the afternoon the snow has melted leaving a soggy mess.  Luckily, the quick melting snow didn't cause flooding this year… Next year could be different. This is the very reason why you need  Flood Insurance because a little water can cause big damage. 

While you can purchase Flood Insurance at any time, in most cases, there is a 30 day waiting period between the time of purchase to the time your coverage begins. Having Flood Insurance is having one less thing to worry about when it comes to your home and possessions that you've worked so hard for. Flood Insurance is an option for you and can be affordable whether you own a home, a business or you are renting.

Knowing what your flood risk may be is important in determining whether you are in a High Risk Zone or a Low-to-Moderate Risk Zone. If you live in a High Risk Zone your home or business would be more likely to be effected by a flood. In a Low-to-Moderate Risk Zone your chances of being effected by a flood are lower. Even if you don’t live in a High Risk Zone, I think it's important to know that The National Flood Insurance Program states that 25% of flood insurance claims come from those in Low-to-moderate Risk Zones.

Do you need to be concerned about flood damage if you already have Homeowners Insurance?  Absolutely! Most Homeowners Insurance policies typically cover hurricanes, tornadoes and fires but flood damage is most likely not covered. Give me a call so we can get started on finding the Flood Insurance that best fits you for your home and/or business.