I’m Worried About Flooding This Spring… Now What?
It is no secret that spring tends to bring a lot of rain, especially in Northeast. How else are we supposed to get those lovely spring flowers? Most of the time, when it rains, it pours. Due to the high levels of rainfall during the spring months, many local areas of New Jersey experience flooding, or risk of flooding. Even if you don’t live near a body of water and have never had flooding issues before, you should know that more than 20% of flood claims came from those who did not consider themselves at high risk.
In order to protect your home from flooding, some little things you may want to consider doing are clearing your gutters, drains, and downspouts and face them away from your home. While these can help, if your area experiences a flood, there will be nothing better you can do for yourself, your home, and your belongings than have a flood insurance policy. Some people are surprised to know that their basic NJ homeowners insurance policy does not cover them for flooding. A flood insurance policy provides protection for home destruction and financial devastation that floods can cause.
If you live in a flood zone, you are required to have flood insurance by your mortgage company. In that situation, you should make sure to get coverage as soon as possible. Talk to an agent, find out the necessary information you will need to give them, and get started with a flood insurance quote. If you aren’t in a flood zone, but are worried you may be at risk, it still may be a good idea to have coverage. The weather seems to become increasingly less predictable as the years pass, giving you another reason to be prepared. Call the Encharter Insurance agents at 888.754.8299 for a custom flood insurance quote today!
For more flood insurance information, visit our Flood Resource Center.
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