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Flood Insurance Facts You Need to Know

02 April, 2015 / By admin / 0 comments

It’s spring, and that means spring showers for many parts of our country. An increase in rainfall also means an increased risk for flooding, something which is my job to help protect you from.

Even if you do not live in a flood prone area, you may be at risk this season. In addition to increased rainfall, in cooler areas, the frozen ground in the early spring makes flooding a bigger risk because water from heavy rains cannot properly enter the ground.

Here are a few flood facts you need to know:

  • Regardless of where you live, nearly everyone is vulnerable to flooding. In fact, more than 20% of flood claims are from people that do not live in high flood risk areas.
  • Floods are the most common natural disaster in the United States. From 2003 to 2012, total flood insurance claims averaged nearly $4 billion per year.
  • Just one inch of water can cause severe damage to your property.
  • Your car can easily be carried away by only two feet of water.
  • Construction and new development affect natural drainage and create new flood risks.
  • If you are a victim of flooding, federal disaster assistance is typically in the form of a loan that must be paid back, with interest

Flood insurance is not included in a typical homeowner’s policy, so you definitely want to talk to us about adding this important type of coverage to make sure you’re fully protected. You cannot expect flood-related damage to be covered unless you’ve got flood insurance.

Call or come by our office to review your existing coverage. We can talk about whether or not flood insurance is right for you and your family and help you make an informed decision.

Or you can always get a quote online for your Home. Just follow the link below.

http://kiefer-colbourneins.com/products/home-insurance-quotes-salisbury-md/

 

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