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What is flood Insurance? Do I need it?

Homeowner's insurance typically doesn’t cover flooding, so a totally separate coverage called flood insurance is offered to cover such an event. Flood insurance is designed to protect your home and personal belongings from flood damage, which is usually caused by a natural disaster. Your mortgage company may require flood coverage if your home is in a flood zone and it’s secured by a federally-backed mortgage.

A large number of homeowners who should have flood insurance don’t, and one of the main reasons for that is its high cost in flood-affected areas. This is understandable, but what about the large portion that don't live in a flood zone and still don't have flood insurance. The coverage is reasonable--we might even say cheap; but most think it unnecessary because their house has never flooded. Keep in mind: because we live in a hurricane prone area, you may want to consider checking with your provider to see what it would cost to add a flood policy for the added protection against such risk. Each home is unique, and you need to get with your insurance provider to learn more. I hope I have given you something to consider as we move through the current hurricane season. As always feel free to reach out if we can be of service to you.


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