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5 Things to Know About Buying Flood Insurance for Your Home

As recent events have demonstrated, flooding can happen anywhere – even in areas that have not historically been considered at risk. And while no one likes to think about the possibility of their home being inundated with water, the truth is that it’s always better to be safe than sorry. That’s why, if you live in an area that is prone to flooding, it’s important to have flood insurance. T.D. McNeil Insurance Services in Folsom, CA can help you navigate this important coverage.

Here are five things you need to know about buying flood insurance for your home:

1. Your Homeowners Insurance Probably Doesn’t Cover Flooding

While most homeowners insurance policies cover water damage from things like burst pipes, they typically do not cover damage caused by flooding. So, if you live in an area that is susceptible to flooding, it’s important to purchase a separate flood insurance policy.

2. You May Be Required to Purchase Flood Insurance

If you have a mortgage on your home, your lender may require you to purchase flood insurance. Even if you don’t have a mortgage, though, it’s still a good idea to get flood insurance as it can help protect your home and possessions in the event of a flood.

3. Flood Insurance Is Not Always Expensive

Many people assume that flood insurance must be expensive, but that’s not always the case. The cost of your flood insurance policy will depend on various factors, including the value of your home and its contents, the amount of coverage you need, and the deductible you choose.

4. Flood Insurance May Take Time Before Going Into Effect

If you purchase a flood insurance policy, it’s important to know that it may take up to 30 days for the coverage to go into effect. So, if you’re worried about an impending storm, don’t wait until the last minute to buy flood insurance.

5. You Need to Be Proactive About Flood Protection

In addition to purchasing flood insurance, you can do several things to protect your home from flooding. These include elevation, floodproofing, and installing a sump pump.

Give Us A Call

As you can see, there are many things to keep in mind when it comes to buying flood insurance for your home. If you live in Folsom, CA, T.D. McNeil Insurance Services can help you find the right policy to protect your home and possessions. Contact us today for a no-obligation free quote.

What does flood insurance cover?

You may think of flood insurance is only necessary for those living in regions where hurricanes are the norm. Flood insurance, however, is a necessary indemnity plan for those living in Folsom, CA as well. The agents at T.D. McNeil Insurance Services can help you understand the importance of flood insurance and what the best policies cover. 

Why is flood insurance necessary in California?

Sunny skies and seemingly perfect weather are not the only things for which California is famous. The Golden State also experiences flooding now and then that damages homes. 

A standard home insurance plan does not pay for damages to your home’s structure and personal belongings when flooding is the central factor. This means you are responsible for the financial costs to repair or replace such items and portions of your home. 

A flood insurance plan may be the solution when floods overtake Folsom CA and surrounding areas. The best policies offer full financial relief when disasters happen. 

What does flood insurance cover?

A flood is generally defined as excess water in a space not typically accustomed to having such an influx of liquid. By such a broad definition, flood insurance is not meant solely for natural disasters. 

Flooding is a factor when a pipe bursts in your home and causes damage to your kitchen. It would not be a bad idea to contact an insurance agent during this time to see if your flood insurance plan can be of assistance in helping you get your life back to normal. 

T.D. McNeil can help!

The agents at T.D. McNeil Insurance Services can help you fully understand the benefits of having flood insurance in Folsom, CA. Call them today to request more information or a quote for coverage!

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