Reasons Why You Need Flood Insurance Sooner Rather Than Later

​What people can learn from recent events, is that more powerful storms are bringing in heavy rains, mudslides, and floods almost everywhere in the world. Even before, flooding can happen at any time of the year, but now it has become much frequent and devastating. And for this reason alone, you may want to contemplate purchasing flood insurance sooner rather than later.

1. You Live in A Flood-Prone Zone
   If you live in a neighborhood susceptible to flooding, there is a chance that homeowners in those areas are mandated to purchase flood insurance to be compliant with the law. However, based on a series of events in the past, even those in low-risk areas need flood insurance.
   
   This is mainly because of severe weather conditions that bring heavy rainfalls that can easily flood a community. Homeowners are then left with massive damages to their homes and properties. You can check flood-zone maps or the FEMA charts to determine how much risk you’re in. Another easier method is to ask around if anyone of your neighbors has experienced flooding in the past.
   
   
2. Living in a New Development
   The common issue with newly developed areas is flooding. As new roads, parking lots, buildings or structures cover the land which would have absorbed the rainwater; it now has nowhere to go. Heavy rain will seep through porous walls and foundations which then flood basements.
   
   Flood insurance will help you cover for damages in your essential systems, appliances, carpeting, window treatments, paneling, furniture, and more. You wouldn’t have to suffer as much when you have the financial assistance to make repairs or rebuilding easier.
   
   
3. Your Neighbor Owns an Above Ground Pool
   In an event when your neighbor’s swimming pool set above ground collapses, the water can flow to your property and into your home. This situation can also be covered by your insurance. This also applies if a water main break and cause damage to your home. You can file an insurance claim if this happens to you. Having flood insurance policy can be very advantageous for you in multiple ways.

 
Purchasing flood insurance will help you get the coverage you need against any kind of damage to your property that can be caused by the flood.
 
At Sherzer Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (239) 673-9301. Get your free quote today by CLICKING HERE.