Do I Really Need Flood Insurance?
Safeguarding Your Home Against Flood Damages
A very common mistake many homeowners make is assuming that their home will never flood since they are not in a designated flood zone. Despite popular belief, every home is vulnerable to flooding, as rain will pour whenever it pleases. Often, you will hear homeowners saying there is still no need to worry since they hold homeowners’ insurance. Unfortunately, your homeowners’ insurance policy will not cover any damage caused by outside water.
As one of the most common and costly disasters, it is important that you safeguard your home from the damage severe rainfall can cause and obtain flood insurance. These policies can be purchased for only a couple hundred more a year, meaning you can feel ultimate peace of mind knowing your home will be covered should it flood.
Many homeowners make the mistake of assuming they can purchase flood insurance once they hear of a storm’s arrival, but the clever wits of the first insurance writers eliminate the possibility of using this scapegoat. When you purchase flood insurance, your policy requires thirty days to become active. This means that you cannot wait until a storm is heading your way to obtain flood damage coverage.
As a California resident who feels invincible from the severity of winter conditions, you may find yourself continuing to reject the importance of this insurance. However, it is important to realize that the small extra premium amount is well worth the protection against having to completely rebuild your home.
Serving Beaumont, Banning, Calimesa, and Redlands, contact Little & Sons Insurance Group for all of your California flood insurance needs. We can help you add this coverage to your homeowners’ insurance policy so that you and your home can be protected to the fullest. Remember, your flood insurance policy will need thirty days from the date of purchase to become active, so act now before it is too late!