Flooding Peace of Mind

By Hometown Insurance

Now is the time to prepare for hurricane season: Buying flood insurance is one of the most important steps you can take to protect the life you’ve built. Don’t delay because flood insurance policies typically take up to 30 days to go into effect.

It can happen again: The 2017 hurricane season was one of the most devastating and costly on record, and forecasters predict that these severe storms will continue this year.

Just one inch of water in an average-sized home can cause more than $25,000 in damage: Remember, most homeowners insurance does not cover flooding.

Flooding can happen anywhere, not just in high-risk areas: More than 25% of flood insurance claims come from outside the high-risk area, also called X zones.

You can’t control the weather, but you can prepare for it: This hurricane season, make sure your family is protected. Make a communication plan, know your evacuation routes, and create a storm bag filled with essential disaster supplies, like medication and key documents (insurance policies, bank information, etc.).

Take time to document: Take pictures and video and keep a record of your most valuable belongings. In the event of flooding, this documentation will help you file a claim and recover more quickly.

Prepare your home: Remove damaged trees and limbs, secure and reinforce the roof, and remove debris from gutters to prevent water damage.

Before a hurricane: NFIP flood policies will cover up to $1,000 in expenses incurred to protect your insured property from an immanent flood event. This includes purchasing sandbags, plastic sheeting, and lumber

If you are a homeowner, business owner or renter, you can obtain flood insurance easily and often affordably. Contact your Hometown Insurance certified flood agent to learn more. Call 1-800-568-SAVE (7283) or email service@hometowninsurance.com .

We are happy to answer any flood questions!