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Flood Damage

Flood Insurance 101

Flood Damage

Flood Insurance 101

You don’t have to live in a high-risk flood zone to be affected by a flood. Floods and flash floods can occur anywhere, even in the desert. Just an inch of water can cause damage to your property. In fact, in the U.S., flood-related losses cost people more than a billion dollars a year.

If your home isn’t protected against floods, you are (unfortunately) not alone. Only 12 percent of U.S. homeowners have flood insurance, according to a 2016 poll conducted by the Insurance Information Institute.

Are the remaining 88 percent just betting that a flood won’t hit their homes? Or do they mistakenly believe their homeowners’ policy offers protection against a flood?

In either case, there’s a strong argument to get better informed.