Floods Can Happen Anywhere

Are you aware that 25% of all flood claims come from homes located in “low-risk” areas? In 2013, over $1.3 million was issued in claim payments in our area. These statistics come directly from the National Flood Insurance Program (NFIP), which was created by an act of Congress to help property owners financially protect themselves from a costly flood loss.

Since standard homeowners insurance does not cover flooding, it is important to have protection from floods associated with hurricanes, tropical storms, heavy rains and other conditions that could impact our area.

If a flood occurs and your home isn’t properly covered, you could be paying thousands out-of-pocket to repair the damages. This is why Butler and Messier highly recommends adding flood insurance to your current policy in order to protect your home from the devastating financial impact of flooding.

Flood insurance is available to protect homes, condominiums, apartments and non-residential buildings including commercial structures. If you decide to buy a flood insurance policy, which is the only type of policy that covers flood damage, consider insuring your home or property for 100 percent of replacement cost and buying insurance to cover the contents, as well as the dwelling.

Be aware that there is a 30-day waiting period for flood insurance before coverage takes effect, so it is important to take action soon. If you wait until there is a flood warning, it will be too late.

Should you fall victim to a flash flood, give yourself the peace of mind knowing that you’re covered by calling Butler and Messier today at 728.3200.