4 Reasons Why You Need Flood Insurance

​Flooding is dangerous and costly. It can lead to loss of property and can dramatically reduce your home's value. No wonder flooding is not covered by traditional homeowners' insurance; you need a separate flood insurance policy, especially if flooding is frequent in your area. If you're unsure about flood insurance, consider the following scenarios. 

If You Live Near A Body Of Water
If your property is near a river, stream, or artificial body of water, it's likely these can overflow even with just a small amount of rain. If you have experienced an overflow before, it's expected that this can happen again. Protect your home by adding flood insurance on top of your traditional homeowner's insurance.  

If Your Property Is On A Dry Or Flat Area
Dry earth or soil won't absorb water quickly, and thus, even a small amount of rain can turn to a flood in no time. Also, flat areas can become flooded quickly as there is no other lower area where water can run off to. If you live in any of these areas, your insurer may likely recommend flood insurance with your current policy.  

If You Live In An Area With Heavy Snowfall
Snow is great when it's cold, but ice and snow will melt once the temperature peaks, causing flooding. Heavy snowfall can also flood an area that's not previously affected by rising water. So if you live in an area where there's a lot of snow or snowfall is becoming more severe year after year, consider adding flood insurance in your homeowner's plan. 

If You Live In A Neighborhood With Poor Drainage
If you are located in a city where there are old or insufficient drainage systems, then flooding may happen anytime. Old systems may not have the capacity to take a lot of water, or maintenance may have been neglected over many years. If you have experienced flooding due to faulty drainage systems, then this is an excellent time to get additional flood coverage for your property. 

To altogether avoid paying higher premiums and buying flood insurance, consider flood risks before buying a new home. Most areas with higher flood risks require homeowners to secure flood insurance.   

At Family Auto Insurance Agency, we do our best to make sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (313) 285-9042 or Click Here to request a free quote.