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SOURCE: 33 Mile Radius
Most homeowners policies do not cover flood damage. A water restoration provider offers recommendations on securing adequate flood coverage.
Cleveland, OH (PRWEB) January 20, 2013
Restoration Local, one of the leading providers of water damage repair and restoration services in the United States, is advising property owners to purchase insurance to protect them against the damage caused by flooding. With floods a very real threat in virtually every area of the country, even during the winter months, and with most homeowners policies failing to provide coverage for flood damage, it is important to look into adding additional coverage to protect property and valuables.
From November to April of every year, the western states are particularly susceptible to flooding, with wildfires rendering the landscape vulnerable to mudflows under heavy rain. Nearly a quarter of all flood related claims come from areas that are categorized as mid or low risk flood areas.
Some property owners wait for catastrophe to strike in order to receive federal disaster assistance. Unfortunately this is a loan that must be paid back, and the loan is only granted if the area is deemed a federal disaster area. Insurance is much more effective and allows residents to get back on their feet more rapidly.
There is also a 30 day waiting period on most flood policies, so waiting until threatening weather is imminent is never a good idea.
Flood insurance is available through the federal government’s National Flood Insurance Program (NFIP). While rates are set and do not differ from company to company or agent to agent, opting for an experienced agent means you will get your questions answered properly. Visit http://www.floodsmart.gov or call 888-223-9499 to assess your current risk for flooding and to locate an agent serving your area.
Insurance is a vital first step in protecting any property. Other steps include having a flood evacuation route planned, and creating a safety kit with water, canned food, first aid, blankets, a radio, and a flashlight.
Flooding can happen virtually anywhere, and at any time, and it is important to begin to make proper preparations now, before the weather turns malevolent.
Based in Cleveland OH, Restoration Local is one of the leading providers of water and flood damage restoration services in the country, with contractors in 30 states. They are available 24/7 and all work is guaranteed.
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