Unless you live in a designated flooding area, you probably think that you will not ever have a flood in your home and that it is something that you do not have to worry about. However, that could not be further from the truth. Just because you do not live in an area that is prone to flooding does not mean you are not at risk. In fact, about 20 percent of all flooding occurs in areas that are not designated flooding areas. When you look at that, you may want to think about the possibility of getting flood insurance.
Another big reason to consider it is that your homeowners insurance policy likely does not cover any flooding, as most do not. Do not live in the dark and think that you will be covered by your current homeowners insurance policy because more often than not, you will not be protected by it in the case of a flood.
Floods can also happen anywhere, even if you live in a relatively dry place. It does not always take a lot of rain to flood a nearly river or stream. Sometimes, it happens in overdeveloped areas where water can no longer absorb into the soil. It can happen if your neighbor has an above ground pool that collapses. It can even happen if you have a water main break inside your home. There are many different scenarios that can lead to flooding in your home. Instead of living in denial, you should consider flood insurance to protect yourself and your home.
If you would like more information, please contact us at Neff & Associates Insurance Services, Inc. We will be happy to find you the perfect flood insurance policy for your needs.