Unexpected flooding can be a major problem for your property. Standard homeowners policies do not cover flooding that comes from outside the structure, so you may be responsible for the costs of restoring your property and replacing your goods. At Coastal Shield Insurance, we help homeowners acquire the right coverage to prevent expensive losses from flood events.
Individuals often think their homeowner's insurance policy will cover flooding, but this is not the case. A separate flood policy is needed to cover damage from water that comes from outside the home. If you have a mortgage, your financial institution may require you to carry flood insurance to protect their interest in the property. You may not live near a coast, but maybe close enough to a river, dam, or other body of water that could cause flooding under certain conditions. Replacing items damaged in a flood can be expensive. So, if you don’t want to deplete your savings or carry debt due to an unexpected flooding event, a flood insurance policy is well worth the investment.
A flood insurance policy generally covers all essential systems in the home, such as furnaces, plumbing, electrical systems, and sump pumps. It also covers refrigerators, ranges, built-in appliances, washers, and dryers. Your policy will cover attached carpeting, paneling, window treatments, and built-in cabinets. It also covers clothing, furniture, and electronic equipment.
You may have questions about flood insurance and the level of coverage you need. Our experienced agents can help clarify matters with detailed information you can understand. We provide coverage for home, auto, boats, life, and business. Contact Coastal Shield Insurance today for a free, no-obligation quote on flood insurance that can help to prevent expensive losses.