Personal Flood Insurance 101
Floods are #1 in natural disasters! You do not need to live near the water to be at risk from flooding. Almost 25% of Flood Insurance claims come from low to moderate risk areas. Remember, Flood Damage is Excluded by your Homeowners Policy!
So far, you may have been lucky, but luck changes. Do you realize you are more likely to be affected by flood than fire? With that in mind, answer these questions for yourself:
- How would you pay for flood damage?
- Would you use up your savings?
- Would you pay for it by winning the lottery?
- Will Uncle Sam pay you for the damage?
The best time to buy Flood Insurance is Now! Be aware, there is a 30 day waiting period to purchase Flood Insurance. You can’t wait for a storm to approach and then decide to purchase the coverage.
For those that are in preferred areas or have elevation certificates can see drastically low premiums for some great coverage. Get a quote today and see how worth your money it can really be!
- Federal assistance can only be offered if it is a Presidentially declared disaster…90% of all disasters are NOT Presidentially declared.
- Federal assistance comes in the form of a loan, which HAS to be paid back WITH interest!
- Federal grants average only $2,500 per family.
- Your mortgage payments continue regardless if you are able to live in your home.
- Flood Insurance is easy to buy.
- It can cover your contents as well, although it can be limited in basements.
- Even if you are not in an obvious flood area, this protection can save you from a serious loss.
- Flood Insurance is Affordable!
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