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Owning a home in Folsom requires an understanding of insurance options and potential liability limitations. It’s not always possible to protect your home from water or flood damage with a standard homeowners insurance policy. You’ll need additional coverage for that. If you’re located in CA, working with T.D. McNeil Insurance Services is a convenient way for you to address your water damage and flood protection needs year-round.
Securing Flood Insurance
Most floods happen outside of designated flood zones. Unfortunately, floods and water damage are not covered with standard homeowners insurance, even if you have a policy that provides maximum protection for other events. When you’re thinking of investing in flood insurance, you’ll want to do so via the National Flood Insurance Program, also known as the NFIP. In addition to flood insurance or NFIP, consider adding water or sewer backup and sump pump overflow coverage to your existing policy.
Insurance Policy Add-Ons
Sewer backup and sump pump overflow insurance coverage helps protect your home from damage caused by heavy storms, flash floods, and rainfall. These events can lead to backups in your drains, sewer lines, or sump pumps. In addition to insurance, installing flood vents and maintaining clear drainage and sewer systems year-round can significantly reduce your risk of damage.
At T.D. McNeil Insurance Services, serving Folsom, CA, we work with clients to determine when flood insurance is necessary while also finding policies that provide proper protection for families across the region. Whether you’re investing in a home for the very first time or live in a high-risk area that is prone to flooding, we can help. Contact us for a consultation to learn more about your flood insurance and water damage protection options.
