When you own a home, you need at least two types of insurance. One of these is home insurance. Home insurance pays for many types of disasters that can happen to a home. However, it won’t pay for a flood that damages your home. Floods are specifically excluded from home insurance policies. Many homeowners don’t know this and expect their home policy to cover it. That can leave them in an awkward financial position after a flood occurs. It would be best to have a flood insurance policy to ensure you aren’t in that precarious position. To learn more, call us at All Counties Insurance Agency & Traffic School in Palm Coast, FL.

Damage From Flooding

When a flood strikes a home, it can cause various levels of damage. This often depends on how high the water gets and how long it stays that way. When the water sits in a home for a longer period of time, it does far more damage. This can even make it necessary to rebuild a portion of the home or even to rebuild it entirely. Always keep flood insurance so that this can be paid for by the insurance rather than by you.

Flooding Outside Flood Zones

It isn’t just inside flood zones that flooding occurs. When an area isn’t designated as a flood zone, some homeowners don’t believe they need flood coverage. However, about one in five flood claims come from areas that aren’t in a flood zone. That makes it important to have this insurance no matter which area you live in.