Do I Need Flood Insurance?

Flood Insurance Coverage

How to figure out if your family needs Murrieta, CA flood insurance coverage.

In our drought-afflicted state, the thought of a sudden deluge of rain probably sounds pretty nice. The problem, though, is that if we do experience a downpour that delivers the water our thirsty landscape needs, its hard-baked earth would have a hard time absorbing it. In short, this means flooding.

Experts are predicting that this winter’s El Niño will be one of the most intense we’ve ever experienced, which means that rising waters could be a definite possibility along California’s coast. If our state does experience flooding, would you be prepared? To determine if you need flood insurance coverage, ask yourself these questions.

  • Am I Protected? Generally, homeowners insurance policies do not include protection for flooding. Read your policy to determine your specific coverage, but be advised that in most cases, homes are left exposed unless their owners secure flood insurance policies.
  • Is My Area At Risk? Of course, you won’t need to care much about flood insurance if your area has little to no risk of flooding. To determine your area’s risk, consult FEMA’s Flood Map Service Center and ask your local insurance agent about the history of flood claims in your area.
  • What’s The Worst That Could Happen? If your home does flood, you’ll need to be prepared to repair its structural integrity, find a way to dry its walls, and replace any personal property that was water damaged. Could your family foot that bill comfortably? If not, it’s wise to get flood insurance.

Would you like to talk to a flood insurance expert who can help you decide if you should get flood insurance coverage? If so, contact ISU Insurance Services – Cormarc Tasman today. Our Murrieta, CA team is here to help you get the coverage you need to have a firm foundation no matter how the waters rise. Get the anchor you need; call us today!