If you have been told by your mortgage lender or even a local official that you need flood insurance, the idea might seem baffling to you. You aren’t even near a major river or water source, so why do you need flood insurance?
The answer in short? Life is unpredictable. Christensen Insurance Group, which serves Sandy UT,, knows this all too well.
Floods Happen Anywhere
Even if you are not near a river, a hurricane or other natural disaster could bring flooding to your area. Flooding may be linked to excessive rain, melting snow, or even construction down the street. In some cases, the failure of a dam to hold back water properly causes damage to local homes. Even areas that are not considered high-risk for floods experience them.
Floods Are Costly
Many people do not realize that very little flooding is required to damage your home and belongings. Even an inch of water can cause foundational damage to your home. Inside your home, an inch of water covering the floor can be devastating. Without flood insurance, you may not have a way to adequately cover the damage.
Your Homeowners Insurance Policy Is Not Enough
It is often not enough to get a homeowners insurance policy and expect it to cover flood damage. In fact, flood damage is often excluded from homeowners insurance policies. If this is a surprise to you, you should consider getting a new policy.
Do you want to know what kind of flood insurance is right for your home? If you live in Sandy, UT, contact Christensen Insurance Group for more information about policies that protect you.