Don’t leave your house susceptible to rising waters with a Caldwell, ID flood insurance policy.
Did you know that your house is at risk for a flood? While that doesn’t mean that you should start looking into building your house on stilts, it does mean you need to seriously consider your insurance coverage. Fully understanding flood insurance importance can help to keep your house and personal belongings safe when the waters start rising.
Everyone lives in a flood zone, but your actual risk level depends on the type of flood zone you live in. If you live in a high-risk area, it means you have a higher chance of having to deal with a flood than if you lived in a moderate to low risk area. That does not mean that people who live in moderate to low areas do not need flood insurance. Almost 25 percent of all flood insurance claims come from homeowners who live in low to moderate flood zones.
Even just a few inches of water in your house can cost thousands of dollars worth of damage. From floors and walls to furniture and appliances, repairing or replacing everything that is damaged during a flood can mean spending thousands of dollars out of your own pocket if you do not have flood insurance. Many homeowners assume that their homeowners insurance policy will provide coverage for the damage done during a flood. In reality, home insurance policies specifically exclude flood damage, which could leave you up to your neck in debt.
Don’t wait until is flood is on its way to get coverage. Flood insurance has a 30 day waiting period before coverage will kick in, which means the sooner you invest in a policy, the sooner you can enjoy the peace of mind that comes with knowing that you are covered.