Most homeowners fail to realize their policy does not cover against flooding until it's too late. Over the typical 30-year mortgage your chances of experiencing a flood is 26% even if you don't live in a "no flood zone" - we live in Florida, it's all considered a flood zone of some sort. Of all the flood claims made over the coarse of any given year, 25% come from those who are not classified as a "high-risk area."
Floods can be one of the most terrible natural disasters that can not only destroy the contents of your home and the home itself, it can devastate your entire neighborhood. Flooding is such a serious problem that the Federal Government runs a National Flood Insurance Program (NFIP) which is why traditional home and property insurance doesn't cover flooding. The Government has a Flood Hazard Boundary Map that divides the country into flood zone risk areas; this map helps set the coverage and premiums for the specific areas within. Enter your address at www.floodsmart.gov and assess your risk.
Why you need flood insurance
Flooding and flash floods can occur anytime and anywhere
Don't rely on Federal Disaster Assistance alone to help cover your losses
Flood insurance is affordable
How much could a flood cost me?
If you have a home on a golf coarse and you get one inch of water in your home during a typical heavy summer storm you could potentially have to pay upwards of $10,000 for repairs to your baseboards, flooring, cleanup and other mildew / mold removal.
If your home is inland more towards Cape Coral and there's a small tropical storm that brings down palm tree leaves that block up the street draining and in turn block up the drainage for your house you could easily get twelve inches in your home. That much water will result in nearly all drywall to be replaced along with cabinetry, appliances and fixtures, totally $20,000 at a minimum.
Think of 18 inches of water or more coming into your home. Flooding by definition is any rising water coming from outside your home, no matter where your home is located. For a minimal cost you can be covered and protected from these damages.
To see just how much damage could be caused by a flood, visit http://www.floodsmart.gov/floodsmart/pages/flooding_flood_risks/the_cost_of_flooding.jsp
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