Flood insurance is something that is purchased through the NFIP (National Flood Insurance Program). It is available to people all over the country and the only requirement is your municipality participate in the program. Many different insurance carriers sell flood insurance. The price is controlled by FEMA so you can choose the one you think provides the best service. At Dune Lakes Insurance in Inlet Beach, FL, we are independent insurance agents and are locally owned and operated.
Flooding is quite widespread in the United States, no state is exempt. It is one of the most dangerous and damaging of natural disasters. Floods are not covered by home insurance, renters insurance, or condo insurance. Simply stated if you have a residence and you have personal property that could be damaged or lost in a flood, you should have flood insurance.
With warming occurring due to a changing climate, water levels are rising all over the world. Places that have never flooded before are now in danger. Weather patterns have changed and this has lead to more hurricanes and serious storms than ever. When hurricanes hit the United States it often results in serious flooding many miles away from the coast.
Some areas are considered serious flood risks and people who own homes with a mortgage in these areas may be required to carry flood insurance by their lenders. Other floods are caused by small rivers and creeks that overflow their banks due to heavy rains or melting snow. Whole towns have been submerged. Even one inch of water in your home can cause an average of $25,000 in damage. Why risk it?
If you are interested in learning more about flood insurance and how it can be of benefit to you contact Dune Lakes Insurance in Inlet Beach, FL. We are here to help.
