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Home > Blog > Do You Need Flood Insurance?

Do You Need Flood Insurance?

 
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FRIDAY, APRIL 9, 2010

If your home flooded, would you know who to call, or how to clean up? Could you afford to repair your home and replace your belongings?



Flooding is America’s most common natural disaster, yet many homeowners are unprotected.



Even a small flood could cost you thousands of dollars.

As little as two inches of water can cause devastating damage to your home, and most homeowners insurance won’t cover it.

Flood insurance is the best way to protect you from the damage of a flood. With the right policy, you’ll be reimbursed for all your covered losses in the event of a flood.



Don’t take the chance. Just because your neighborhood hasn’t flooded yet doesn’t mean it won’t this year. Homes in low risk areas account for 25% of all flood claims. And in a high risk area, your chances of flooding during a 30-year mortgage are 1 in 4.



Safeguard your home against the changing risks of each season. Here in Houston, TX rainstorms and hurricanes create the highest flood risk, plus new land developments increase our risks dramatically.



Flood insurance costs less than you think: On average, homeowners in Houston insure their home and its contents for less than $500 per year.



Independent agents like Insurance Plus can help you determine the risk level to your home, and find the right level of coverage. Don’t leave yourself vulnerable to a flood. Don’t forget most policies need 30 days to take effect. Don’t wait to protect your home. Call an independent agent to get started today.



Insurance Plus Agencies, LLC has been in business since 1996. Our Independent agents provide expert advice and personal service. To learn more about Insurance Plus, call us toll free at 1-866-466-1699, visit one of our 7 Houston area locations or go to YourInsuranceCompany.com. We can check with several companies to find the best combination of coverage and price.

 



Flood Facts:

Floods cause expensive damage. Two inches of water could cause over $7,000 in damage. As the water rises, so do your costs.



Most homeowners insurance won’t cover it. Only flood insurance covers the type of damage caused by flooding.



Government assistance is rare. Only the President can declare a federal disaster and even then the aid offered is typically a loan to be repaid with interest.



Protect your home and its contents now. Most policies need thirty days to take effect. The time to act is now.



Get more facts about flooding at FloodSmart.gov and YourInsuranceCompany.com




Posted 4:57 PM

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