Floods are the most costly natural disaster in the United States, causing over a billion dollars in damage every year. Yet many people mistakenly believe that they are safe from flooding because they don’t live in a “high risk” area. But the fact is, every home is in a potential “flood zone.”
Why should you be worried about flooding? In part, because unexpected floods can strike anywhere. One quarter of flood loss occurs in areas designated “low” or “moderate” risk. And the typical homeowner’s policy doesn’t cover floods or water damage of any sort.
There’s also another type of flooding you have to worry about. Flood insurance policies are important, and, we’d say, a necessary expenditure for most homeowners. But you also want to make sure you are protected against water damage due to overflowing sewers, drains, or sump pumps. These occurrences may not count as a natural disaster, but they are certainly a disaster to affected homeowners or renters. And they can cause financial disaster as well. It takes just an inch of water to inflict thousands of dollars’ worth of damage, and it doesn’t matter to your carpet, furniture, wiring, and appliances whether that water comes from a hurricane or a backed up sewer drain. That’s why we recommend additional water damage coverage to all our customers.
We specialize in providing homeowners with affordable policies they can trust, with companies they can rely on to come through for them. You can learn more about me by visiting my Web site.
Better yet, give us a call today at 401-433-1111, or contact us via email at hdaigneau@allstate.com. We‘ll set up an appointment to go over your policy options and make sure your home and finances are protected!
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