Do You Need Flood Cover In Your Home Insurance Package?

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Do You Need Flood Cover In Your Home Insurance
Package?
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• With global warming becoming a huge and growing
  concern for everyone, no matter where you live in
  the U.S., its time that we face the reality and
  prepare ourselves for every environmental
  eventuality, including flooding.
• Even if drastic efforts to tackle global warming
  are brought in today, around 350,000 homes
  state-wide are already constructed on land that
  is known to be at risk from flooding, and if no
  urgent steps are taken, this figure is set to
  increase to 385,000. Many of these homes are in
  major metropolitan coastal areas such as New York
  City, Miami Beach and the Bay Area, and where
  real estate prices are higher.

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• So, with the threat of flooding on the increase
  and many homes at risk of damage or complete
  destruction, perhaps its time you thought about
  including flood cover in your home insurance
  policy
• I dont live in a flood risk area do I need
  flood cover?
• While most associate flooding with intense or
  prolonged rainstorms, its important to remember
  that other weather conditions can also cause
  flooding, such as melting snow or a severe
  coastal storm surge. Statistics show that 1 in 5
  flood insurance claims comes from a homeowner
  living in an area not classified as being at a
  low or medium risk.

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• Doesnt my home insurance policy cover flood
  damage?
• In short, no, not usually. If groundwater rises
  and floods your home, causing damage and often
  leaving it uninhabitable for weeks if not months
  to come, your standard home insurance policy will
  not give you any, or adequate protection.
• What parts of the home are covered by flood
  insurance?
• In general, most areas of a standard home will be
  covered by the flood insurance policy. While
  basements may require extra protection, the core
  parts of your home such as the foundations and
  those systems that keep it running, are covered,
  as are appliances, carpeting and personal
  belongings.

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• How much will flood insurance cost?
• Fortunately for the consumer, unlike most other
  insurance packages, flood insurance costs the
  same no matter who, or where you purchase it
  from. This is because the federal government
  backs a national program via the National Flood
  Insurance Program, meaning that wherever you are
  in America, your insurance plan is coming from
  the same place, keeping the price the same.
• While we would all prefer not to have to cover
  our homes and possessions from the risk of
  natural disasters or any other types of events
  that can cause our homes to flood, the reality is
  that the risk is always there wherever you live,
  and whatever type of home you live in.

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• To make sure that youve got all the coverage you
  need in case of a potentially devastating event
  such as a flood, book an appointment with a
  qualified and reputable insurance firm today.
• We Insure Miami was founded on the principle that
  every individual and business, big and small, has
  assets and valuables that need to be protected
  and insured against forces outside of our
  control. We offer Auto, business and homeowners
  insurance in miami. Our agents understand that
  you work hard every day to protect your car,
  home, business and family. WE are passionate
  about Insurance and passionate about serving you.
  If you are looking for auto or business or home
  insurance in miami, contact us for a quote or a
  complimentary review of your insurance policies.