MCF

Flood insurance provides protection from the destruction and financial devastation caused by floods. Although it may not seem like much, even a few inches of water can cause damage and result in thousands of dollars in repair and restoration costs. Flood insurance is a valuable investment, available to everyone: homeowners, business owners and renters.

When you hear the term “flood insurance,'' you often think of coverage for occasions where inches of water intrude on your home or business from a hurricane or tropical storm. However, flood insurance is meant to protect your property against all instances of rising water, including mudslides, overflow of inland or tidal waters, local drainage problems and plumbing mishaps.

Consider this: Just one inch of flood water can cause more than $25,000 in damage. That means that something as simple as a burst pipe or water leak can lead to a flood. Most flooding is not covered under homeowner’s insurance, making a flood insurance policy all the more necessary. 

Flood insurance can save you money and help you recover from disaster much faster. It covers your property and contents. Although you can purchase flood insurance at any time, waiting until a hurricane or major storm is threatening your property may be too late. Many policies take at least 30 days to take effect, but once they’re active, you can file a claim at any time.

Even in areas with low to moderate flood risk, flood insurance can provide extra protection. The types of policies available are based on your property’s location and flood history. Some of the factors that insurance companies take into consideration include: whether you’re in a flood zone, how far away your property is from a floodplain and how high above sea level it is. 

You can check to see if your property is located within a flood zone by visiting FloodSmart.gov/Flood-Map-Zone.

Don’t wait until it’s too late. Contacting Massey, Clark, Fischer today will get you on the path to flood protection with an affordable and comprehensive insurance policy. 

Disclaimer: The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.