If you’re like most homeowners, you don’t have flood insurance. Why would you? We live in Michigan – we’re not near the ocean, where they really need it.
Maybe not. Here’s what you need to know.
Should You Have Flood Insurance?
The bottom line is that most insurance policies don’t automatically have flood coverage. Sometimes people are required to have it (and if you’re one of them, your lender will let you know) – but many people don’t choose to buy it as a separate policy because they don’t think they need it.
What Does Regular Insurance Cover?
Regular insurance policies sometimes cover water damage, but not flood damage caused by storm surges. As FEMA said, “Anywhere it can rain, it can flood.”
In fact, while you do have a better chance of being the victim of flooding if you live on a coastline, there’s still a chance that it can happen to you – even if you live in the middle of a cornfield. Your area might be one heavy rainfall away from a significant flood – and if you’re in an urban area where the infrastructure isn’t well-maintained, you’re still facing potential issues.
Why You Need Flood Insurance
Floods are becoming more frequent and more serious than they were before. We’re experiencing periods of heavier rain, more snowmelt and frequent hurricanes – and even though the hurricanes are far from us, they’re spawning wet weather patterns that reach all the way to the Wolverine State.
Do You Need a Disaster Remediation Expert in Washtenaw County or Jackson County?
If your home has already been damaged, we can help. Check out our services and call 734-352-9183 for your free disaster remediation quote today. We offer:
- Water damage restoration
- Mold removal and remediation
- Fire and smoke restoration
- Sewer cleanup and disinfecting
- Wind and storm damage repair