Feb 28, 2014

Many people think that their house could never flood, but floods are one of the most common natural disasters that people face.

Floods can happen anywhere, whether you live in California, Florida, or the dry state of Texas. In fact, flood insurance claims happen in all 50 states. This is why it is so important to get flood insurance, despite where you live.

What is flood insurance?

Flood insurance isn’t included in a regular home insurance policy. It’s extra coverage that you get through the National Flood Insurance Program (NFIP), which is subsidized by the federal government.

Many homeowners are required to carry flood insurance. That’s because they live in areas that are designated “high risk zones.” However, a quarter of all flood claims come from other places with lower risk.

What does flood insurance cover?

There’s a difference between a flood and water damage. Water damage is when a pipe busts, or a hole in your roof soaks your carpet with rain. A flood, for insurance purposes, is a natural event that affects several acres or at least two residencies.

If you’ve experienced water damage, then you might be covered under your homeowners insurance policy. However, if you are a victim of a more wide-spread flood, like a hurricane or a mudslide, then you’ll need flood insurance or you could wind up holding the bill.

At Independent Group Agency we can help you find the amount of flood insurance that is right for you, no matter where you live. Contact us today and learn how your home can be protected, should it ever turn into a swimming pool.


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