Homeowners virtually know how important it is to have home insurance. However, many don’t know that they also need flood insurance. Both of these policies work together to protect your home from the various risks it faces. If you don’t have flood insurance, it’s time to find out more. To get started, you can contact us at Tim Huber Insurance, serving St. Augustine, FL.
Standard Home Insurance Doesn’t Cover Floods
One of the most important reasons to get flood insurance is that your home insurance won’t cover a flood. There are specific exclusions from home policies, and flooding is one of them. With just a home policy, your home would be completely unprotected from the cost of a flood. It’s important to have home insurance to cover a wide range of situations, but it’s also important to have flood insurance for this risk. Flooding can cause extreme damage to a home, sometimes requiring a complete rebuild.
Flood Zones
Many people believe that they don’t need flood insurance because their home isn’t in a flood zone. While these zones are good predictors of flooding, flooding often occurs outside them. About one-third of all flood claims come from areas that aren’t inside a flood zone, according to the Federal Emergency Management Agency. Virtually anywhere can flood, and floods are always extremely expensive to remediate. Few people could handle the costs of a serious flood without flood insurance.
Get Flood Insurance
If you don’t have flood insurance, your home is vulnerable to the high cost of flooding. Make sure this never happens to you and keep flood insurance for as long as you own the home. Contact us at Tim Huber Insurance. We’re currently serving St. Augustine, FL.
