Do you remember the floods in New Orleans and past hurricanes in Florida? Once the water broke through the levees during Hurricane Katrina, floodwaters from the flash flood covered a large part of the city. Thousands and thousands of people lost everything, even their lives. Rapid waters should be taken very seriously. Another example is the flood in Texas. In the case of the Houston floods in 2017, the heavy rains from Hurricane Harvey refused to stop. Hurricane Andrew in Florida was devastating. Many residents lost their homes to water damage and without flood insurance, it makes the situation worse.
The floods caused massive destruction, more than $ 125 billion in property damage. However, you don’t have to live in a hurricane zone to experience a flash flood. Fortunately, most risk areas have some kind of flood control system. Still, it is not always enough. Since the water travels downward, not only could you lose everything at a higher level, but also the basement is also susceptible to flooding. Even if you have a powerful water pump, it would not be there to help.
How To Determine If You Need Flood Insurance
One of the best ways to find out if you need this type of coverage is to talk to your mortgage broker. Another good option is to consult a representative from your insurance company, as they will be able to quickly identify if your home is in a flood zone area. In either case, they will use an official flood map that pinpoints the exact high-risk locations.
Do Not Procrastinate
You should not wait until it’s too late to find out what insurance is available and if you need it. You would also take the initiative to find out the costs. You can obtain flood insurance through your insurance agent.