Flood Insurance is offered through the National Flood Insurance Program.
Changes due to building and development can create a flood hazard in areas that are in moderate to low-risk areas and have not flooded previously. You do not have to be in a high-risk flood zone to be eligible for flood insurance.
According to the National Flood Insurance Program, nearly 25% of flood insurance claims come from moderate-to-low risk areas. Premiums in a low-risk zone can be as low as $119 per year.
There are many different ways your home can succumb to damage from water. Damage from water (and mold) are usually excluded on home insurance policies.
Sewer Backup Coverage
This coverage is separate from Flood Insurance, and is added to a renters, home, or Condo Insurance Policy.
It covers damages from sewer backups, faulty or plugged drains, septic systems, sump pump, eaves trough, and downspout.
During heavy rains, if water is not cleared from the roof quickly, it can enter through the basement, walls, or roof, causing damage.
Make sure you're fully protected against all types of water damage and flooding by contacting a PLC insurance agent today.
We can find discounts on flood insurance you may not find on your own. Give us a call, or get a flood insurance quote online today.
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We have a customer, Al S. from Bothell, who went through a few different claims issues...
February 13, 2012
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