What all homeowners need to know about flood insurance before El Niño hits.

You might be surprised to learn that flooding is the number one natural disaster in the United States. Every single state in the US, even those that aren't near a coast and don't have large bodies of water, have experienced a flood in the last five years. In fact, people who don't live in high-risk flood areas make up one-fifth of all filed flood insurance claims! Every home faces the risk of a flood, and this is a fairly expensive risk. The average flood insurance claim is $35,000. Would your family be able to cover that cost without flood insurance? You might be thinking you wouldn't have to, assuming your homeowners insurance will pick up the tab. The problem is that home insurance policies specifically exclude flood coverage! If you're not in a position to comfortably pay for thousands of dollars of water damage, you should consider investing in a flood insurance policy. This is especially important to think about this year. While Northern California generally doesn't have to concern itself with El Niño, experts are predicting that this year's will be one of the biggest in recent history. If El Niño drops major water on our state, your coverage can protect you against runoff after heavy rainfall, overflow of nearby bodies of water, and more! Do you have the flood insurance you need to protect your home against the heavy rainfall and flooding El Niño is predicted to bring? For coverage in Banning, Beaumont, Calimesa, Redlands, or one of the neighboring California cities, contact Little & Sons Insurance Services today. We're committed to protecting local homeowners against the risks our wet winter promises. Get your Banning, CA insurance quote today!