Do I Need Flood Insurance in California?
As we prepare ourselves and our homes for the rainy season ahead, we must think about which preventative measures we can take upon ourselves to safeguard our homes. Many homeowners are unaware that flood damages are excluded from the standard homeowners’ insurance policy until it is too late. Under the standard homeowners’ insurance policy, there are two unique definitions for water damage and flood damage.
Flood damage is defined as any water damage caused by Mother Nature. In contrast, water damage is defined as damage caused by water that never touches the outside ground before entering your home.
Whether you are in a designated flood zone or not, it is important that you know exactly what to do if a flood hits your home. If you are given warning of a flood, be sure to start elevating anything expensive, fragile, or electronic. It is recommended that you move all appliances, electronics, and furniture to the second story of your home if there is a flood warning.
A homeowner can receive additional protection with the use of sandbags; it takes approximately 25 sandbags to create a barrier for the average sized home. It is recommended that you keep sandbags at your home so that you are prepared for a flood.
The only way to truly safeguard your home from the damages of a flood is with a flood insurance policy. If you are one of the many homeowners who assumes that they can just purchase a flood insurance policy once they need one, you are in for a reality check. Flood insurance policies take 30 days to go into effect, meaning you must make this purchase now before it is too late!
Contact Little & Sons Insurance Services for all of your California flood insurance needs. We go above and beyond to work for you, and have been doing so since 1922. Allow us to provide you with peace of mind knowing your home is receiving guaranteed protection from flood damages.