People living away from bodies of water typically don’t expect flood insurance. Still, then excessive rain ends up soaking their property and leaving them in the lurch because their homeowner’s insurance won’t cover the damage. It is imperative that, if you own property, you contact your insurance agent to find out what your homeowner’s policy covers. Once you find out what water damage and flood examples would not be covered, you need to call Access Legacy Insurance Group in Brooklyn, NY, to discuss flood insurance.
Floods Can Occur Anywhere, Not Just Near Seas and Rivers
Flooding can happen for several reasons, but people tend to think of coastlines, rivers, lakes, and so on when they hear about flooding. They think their homeowner’s insurance will be enough to cover the remainder of the potential flooding causes. That’s not the case. Take a look at people in Asheville and other North Carolina towns that were flooded after Hurricane Helene. These towns were nowhere near the coast and were at higher elevations than people normally evacuated to when faced with storm surges. However, the storm caused massive runoff that led to floods in the area, and people were caught without insurance coverage for the flooding.
As a homeowner, you have to be aware and ready for anything. That includes floods from rainstorms that stall over your area or water main breaks on the outside that send water flowing into your living room. And to be prepared for those, you need flood insurance. Contact an agency like Access Legacy Insurance Group in Brooklyn, NY, to find out more about coverage.
