Flooded home

Nationwide Flood Insurance

Mother Nature strikes when you least expect it - will your home and it's contents be protected?




THE RISKS OF FLOODING:
What you need to know



EVERYONE IS AT RISK FOR FLOODING

Flooding can occur anywhere, anytime. More than just rainfall is often to blame; snow melt, hurricanes, and new development in an area can also cause flooding.

If you can see water from your property, regardless of what the maps
say you should have flood insurance.









IT IS LIKELY FLOOD DAMAGE IS NOT INCLUDED IN YOUR CURRENT HOMEOWNER'S INSURANCE POLICY

Most homeowners believe that their property's insurance policy covers flooding. However, the truth is that the typical homeowner's insurance policy will not provide any sort of coverage for water damage that is caused by flooding.

The most basic home insurance and business policies DO NOT 
protect against flood damage. ONLY flood insurance can cover
damage caused by flooding. 

It is best to review your current homeowners and/or property insurance policy carefully.





YOU NEED FLOOD INSURANCE TO PROTECT YOUR
HOME AND/OR BUSINESS

Flood Insurance policies provide you the option to protect your buildings, contents, or both. Insuring both means that you'll have coverage for damage to your: 
• Walls, floors, equipment and fixtures
• Furniture, appliances, wall and flood coverings, clothing, audio/visual equipment and other electronics.









YOUR ADDRESS OR MORTGAGE STATUS DOESN'T KEEP YOU FROM OBTAINING A FLOOD POLICY

Some people might be of the belief that in order to get flood insurance, you have to live in a floodplain. This is simply not the case.

If you happen to live in a mapped floodplain, your mortgage company will more than likely make flood insurance a requirement. However, anyone can purchase flood insurance regardless if you are living in a mapped floodplain or not. 

What's even better, is that you can obtain flood insurance even if:
• You live in a floodplain or high-risk flood zone
• You live outside a floodplain or in an area that has a low-to-moderate
   flood risk
• Your property has been flooded before
• Your mortgage broker doesn't require it
   

Regardless of where you live, the best time to get Flood Insurance is RIGHT NOW!

Typically, there will be a 30 day waiting period between the time you purchase your coverage - 
and when the coverage actually begins.
However, Risk Reduction Plus Group does offer additional Flood Insurance products that you
may qualify for in order to obtain coverage
15-20 days sooner.





If you are interested in learning more about
the Flood Insurance options that are available for your
particular situation,
contact one of our knowledgable agents today!


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