Flood Insurance Tips: Protect Your Property

​It's not just a financial aspect of life, but also a safety aspect to think about. That's why flood insurance is one of the best ways to protect your home and valuables. But what exactly is this type of insurance? What does it cover, and what can you do for your home? Keep reading to find out more.

What is Flood Insurance?
Flood insurance can be a great financial aid. It protects you from having to pay for your home's damage and rebuild after a devastating flood without having to take out a loan. It's a great way to protect yourself from sudden floods and other disasters!

Do you need it for your home?
If you live beside the shoreline or in a designated flood area, yes, you do. But what if you live in a neighborhood with a high land elevation? You're not out of the woods either because floods can happen even on dry land. It can be caused by unpredictable events, like earthquakes or hurricanes.

What does it cover?
Most flood coverage includes: 

• The building, its foundation, electrical and plumbing systems
• Home appliances such as dishwashers, stove and air conditioner 
• Permanently installed carpeting over an unfinished floor paneling, wallboard, bookcases, and cabinets 

What do you need to do to prevent heavy damage?

1. Know your flood season
   With different areas of the U.S. likely to flood at different times throughout the year, you need to know which areas are most vulnerable and how best to prepare for a flood.
   
   
2. Prepare your homes
   Make certain alterations to your home that can help you stay safe and secure. These alterations include waterproofing your basement and Elevating valuable installations such as furnaces, electric panels, circuit breakers, and water heaters.
   
   
3. Assess the damage
   It's time to get your insurance company involved in the case. Make sure you properly assess the damage you've sustained, which then can be reported directly to your agent.

Conclusion 
Homeowner's insurance doesn't cover some things, so it is essential to get flood insurance. Being stuck with the financial burden of paying for flood damage is no fun. So being insured is the best way to know that you don't have to worry about flood damage since your home or business is protected.

At Family Auto Insurance Agency, we do our best to ensure 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. The coverage discussed in this article is not guaranteed, talk with one of our agents to know what your specific policy does and does not cover. We are happy to help you with the coverage you need!