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Flood Insurance
Why is flood insurance so important?
Here are some facts you should consider:
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Homeowners insurance does not
cover flood damage. Only flood insurance will cover your losses in the
event of flooding or rising water.
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Disaster aid is available
only in federally declared disaster areas. Before a community is eligible
for disaster assistance, it must be declared a Federal disaster area, These
declarations are awarded in less than 5-% of flooding incidents.
Furthermore, if your are uninsured and receive federal disaster aid after
the flood, you must purchase flood insurance as a condition of receiving that
assistance in the future.
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The Federal Emergency Management
Agency (FEMA) Reports that a high percentage of claims from flood losses are
not in declared disaster areas. Even if you live in an area which is
not flood-prone, it is advisable to have flood insurance . Flood damage
doesn't just come from water sources such as rivers and oceans - it also
comes from heavy rain, melting snow or hurricanes.
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You don't have to be a homeowner
to purchase flood insurance. Flood insurance is available to protect
homes, condominiums, apartments and non-residential buildings.
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You are eligible to purchase
flood insurance no matter how many times your home, apartment or business
has flooded. You can purchase flood coverage at any time.
As your independent insurance agent,
I would like to help you research your options. Please fill out the quote
form or call us at 631-722-3500
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