ENSURING YOU HAVE THE RIGHT FLOOD COVERAGE  

Flood insurance is a type of coverage many people do not think about when they are buying insurance. However, most homeowner policies do not provide flood coverage and floods are the most common type of natural disaster. The closer a house is to water, the more likely it is to flood. However, even houses that are several miles away from a water source can still see the effects of flood damage. According to the Federal Emergency Management Agency (FEMA) 25% of all flood insurance claims are made by people who live in moderate-to-low-flood risk areas.

Even a few inches of water can cause a lot of damage that can cost thousands of dollars. In fact, according to the National Flood Insurance Program, (NFIP), just one inch of flood water in a 2,000 square foot home can cause as much as $21,000 in damage. Plus, nothing is immune to water damage. It can completely ruin walls, floors, carpet, and even appliances. Homeowners who have flood insurance can replace all of these items.

It can be devastating for those who suffer from flooded homes or businesses and do not have flood insurance. At Apron Agencies, our experienced agents can answer all of your questions regarding flood insurance and to help you find the perfect policy to meet your needs.

HOW FLOOD INSURANCE WORKS

Most flood insurance is written through the NFIP.   A claim cannot be made on a flood insurance policy before 30 days after its purchase have passed.  So, someone needing coverage should not delay in purchasing it. Also, similarly to automobile insurance policies, raising the deductible will reduce the premium payment amount.

offers flood insurance for both residential and commercial properties throughout the United States.

Flood insurance policies cover physical damage to your property and possessions from floods or flood-related losses due to rising water in high risk areas. 

Although building coverage is designed to protect the structure of your home or business and will cover your appliances and fixtures. You may want to consider coverage for your personal property as well.