Why do I need flood insurance?

Flooding can happen to anyone, anywhere. According to www.floodsmart.gov in the past 5 years, all 50 states have experienced floods or flash floods. If a flood washed down the streets and filled your home are you covered? If you watched your belongings floating by are they covered?



The following 5 reasons are why you need flood insurance:

1. Floods can occur anywhere. Even if you do not live near a large body of water (which Michiganders do) a flood can happen. Floods not only occur in areas deemed high-risk but moderate-to-low risk areas as well.

2. Of course rapid accumulation of rainfall can cause a flood and Michigan weather is sure to bring rain this Spring.

3. Floods are the #1 natural disaster in the United States. - www.floodsmart.gov

4. Flood insurance is not included on your homeowners or renter's insurance policy. Your home and most important possessions may not be covered if they are damaged or lost as a result of flooding.

5. The benefits outweigh the risks. The amount of damage a flood leaves behind is massive. Paying for coverage will be worth it when a flood washes through your town.

Flood insurance can cover flooring, electric, plumbing and built in appliances. It could also cover the foundation of the insured building as well. You can choose to insure your belongings, electronics and portable appliances.

If you have question about flood insurance call 755-3000 and talk to a licensed agent today.





Written by Karlee Miller
Creative Administrator

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