Flood Insurance in the Summer

Flood Insurance in the Summer

Flood insurance doesn’t just need to help protect you from flooding during the spring. Flooding can happen during any time of year. In the summer, tropical storms and unexpected hurricanes can wreak havoc on your home. Even if you don’t live in a state where summer storms typically happen, it’s a good idea to get a flood insurance policy. Weather and its effects run their own course and sometimes, there is nothing you can do to prevent flood damage to your home.

 

A Flood Insurance Policy is not included in your homeowners insurance. If flooding in your home occurs, your homeowners insurance will not cover the cost of the damages. That’s why it’s important to have a flood insurance policy in place. It can help reduce the financial burden of flooding.

 

While on the East Coast, in particular, there isn’t too much concern about hurricanes, there have been some unfortunate flooding situations. Hurricane Sandy, for example, was not something New England was expecting during the warm summer months. But even in “safe” or “flood-free” areas, there may be times where flood insurance helps protect you and your family financially. There are also times of flash flooding. It’s something you don’t expect or can prepare for. In the event of a flash flood, having a policy in place can help put your mind at ease.

 

Although there are steps that you can take to prevent the likelihood of your home from flooding, having flood insurance can help protect your peace of mind. Here are some quick tips to help lower your chances of home floods:

• Keep your gutters clean and clear from debris.
• Install window well covers.
• Plant some plants! The roots help absorb water.
• Check the grading around your home. You may want to adjust it if there is a high likelihood of floodwater running towards your house.
• Click here to read about more tips to help prevent home flooding

 

It’s always best to call up your insurance agent to discuss which policy is best for you. Like other types of personal insurance, you will want to choose the right flood insurance policy to match your home. Just remember that if you add a flood insurance policy to your insurance, it usually takes 30 days for it to kick in. So call your insurance today before the big storms hit.

You can click here to read our Flood Insurance Basics Article.

Call an Encharter agent at 888754.8299 to discuss any Flood Insurance questions you may have!

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