You never know when floodwater can enter your home. From melting snow to a major storm, water can appear at any given time. How you protect your home matters, which is why it’s important to explore flood insurance. At LLC, we can help you find a policy that works for you.
Flood insurance protects you against a variety of scenarios in which floodwater could impact your home. This includes:
When water enters your home, it can destroy walls, flooring, and many belongings. Your home insurance won’t cover floodwater, which is why it’s a good idea to have the added coverage in the form of flood insurance.
Whether it is required or not will depend on where you live. When you’re closer to various bodies of water that are likely to overflow, you are more likely to be in a high-risk area where flood insurance is mandatory.
Even if it’s not required for you to have insurance coverage, it’s a good idea to have it. This way, if there is water intruding into your home, you can file a claim to take care of the damage rather than paying for it all on your own.
Depending on where you live, there may be state requirements for flood insurance. Once you provide your address, it can be compared against the latest FEMA maps to determine the flood risk zone you’re in. Then, it will be easier to know whether flood insurance is required or simply optional.
You will want to decide what kind of coverage you want and what scenarios it will protect against. Our independent agents can answer questions that you have and ensure that you have the coverage you can count on.
Find out more about flood insurance today by calling our agents at McMillan Insurance Agency.
