Flood Insurance: Misconceptions and Needs



Most of us don’t realize that flood insurance is an important part of being fully insured, no matter where we live.

When you purchase your home and your homeowners insurance, you might think you’re covered for anything that can happen to your home and its contents. Unfortunately, flood damage is not included in that coverage.

Here are some common misconceptions about flood insurance:

  • Flooding won’t or can’t affect you
  • You don’t need flood coverage right away

  • Minor damage due to flooding is covered n homeowners insurance

We know it’s easy to let flood insurance slip your mind, but consider these facts:

  • In the last 5 years, all 50 states have been affected by flooding or flash floods

  • Homeowners Insurance does not include any flood damage

  • Everyone lives in a flood zone (it’s true!). Click here to view flood zones for more info

  • In most cases, it takes 30 days after purchase for a policy to take effect, so it's important to buy insurance before you actually feel threatened by the weather

Flooding can happen anywhere. Call us to review your current homeowner’s policy and we’ll help you get the proper flood coverage for your area. We’ve got you covered!  

(530) 674-3430



Posted on May 17, 2016 and filed under Flood Insurance.