Flood insurance covers losses to your property caused by flooding. From structural and mechanical damage to flood debris cleanup and floor surfaces (like tile and carpeting), your investment is protected by a flood insurance policy, something that your homeowners policy does not offer.
In addition, you can purchase separate coverage that insures most of your personal property and belongings up to a specified limit .Having flood insurance gives you many benefits.
How is flood defined?
- In plain English, a flood is an excess of water (or mud) on land that’s normally dry.
Floods often happen when bodies of water overflow or tides rise due to heavy rainfall or thawing snow. But you don’t have to live near water to be at risk of flooding. A flash flood, which can strike anywhere without warning, occurs when a large volume of rain falls within a short time.
More and more buildings, roads and parking lots are being built where forests and meadows used to be, which decreases the land’s natural ability to absorb water. Coupled with changing weather patterns, this construction has made recent floods more severe and increased everyone’s chance of being flooded.
Dangerous or damaging floods don’t always mean dramatic, rushing waters through the streets of your hometown. Just a single inch of water can cause costly damage to your home! Keep this in mind when you’re considering flood insurance.
Please contact First Line Insurance Services directly with any questions or additional insurance needs.
Contact Us for Flood Insurance