Flood Insurance

Flood Insurance

I don't live near the water, why would I need flood coverage?

Your mortgage lender will likely require you to purchase flood insurance if your home is in a FEMA-designated flood hazard area but you can buy flood coverage voluntarily, and usually at an affordable rate. Flooding can happen anywhere and at any time. Flood insurance provides coverage for your property damaged through groundwater intrusion - intense thunderstorms clogging city drains; flash flooding causing surrounding property to become waterlogged; new housing developments creating increased runoff waters.  Once water touches the ground and causes home and contents damage it typically is excluded from your homeowners policy. 
As an area of expertise our agents can help you determine if flood insurance is a good idea for you.

Flood Disaster Preparedness

Before a flood

  • Prepare an emergency kit and make a family communications plan
  • Elevate the furnace, water heater, and electric panel
  • Consider installing “check valves” to prevent floodwater backups
  • Construct barriers to stop floodwater from entering the building and seal basement walls with waterproofing compounds
  • Avoid building in floodplains, unless structure is elevated and reinforced

Driving tips

  • Never attempt to drive through a flooded road; depth is not always obvious, and the roadbed may be washed away under the surface
  • Do not drive around barricades
  • Do not try to take short-cuts, and stick to designated evacuation routes
  • Avoid driving at night when it is harder to recognize flood dangers
  • Six inches of water will stall or cause control issues in most passenger vehicles
  • A foot of water will float many passenger vehicles
  • Two feet of rushing water can carry away most passenger vehicles including, SUVs and pick-ups

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