Flood Insurance: Why You Need It Before the Next Storm Hits

When people think about protecting their homes, they often focus on fire, theft, or wind damage. However, one of the most devastating and costly disasters is frequently overlooked—flooding. Whether you live near the coast, by a river, or even in an area with minimal flood history, the truth is that floods can happen anywhere.

Why Flood Insurance is Important

Many homeowners believe their standard insurance policy covers flood damage, but in most cases, it doesn’t. Without flood insurance, property owners are left to cover the repair costs themselves, which can be financially devastating.

Did You Happen to Know?

• Just one inch of water can cause up to $25,000 in damage to your home.
• More than 20% of flood claims come from properties outside high-risk flood zones.
• Flooding is the most common and most expensive natural disaster in the U.S.

What Does Flood Insurance Cover

Flood insurance typically includes two types of coverage:

1️⃣ Building Coverage – Helps repair or rebuild the structure of your home, including the foundation, electrical and plumbing systems, HVAC, appliances, and more.

2️⃣ Contents Coverage – Protects personal belongings like furniture, electronics, clothing, and valuables.

​What is the Cost?

The cost of flood insurance varies depending on your location, property type, and risk level. However, when compared to the cost of flood damage, it’s a small price to pay for peace of mind.

Please don’t wait until it’s too late!

One of the biggest mistakes homeowners make is waiting until a flood is imminent to get coverage. Most flood insurance policies take 30 days to go into effect, so if you wait until a storm is on the radar, it may be too late.

Protect your home, your belongings, and your financial future by securing flood insurance today.

Have questions? Need a quote? Message me now, and let’s get you covered!