You may be asking yourself, “Why do I need flood insurance?” “Are floods not covered under my home insurance?” Our water damage restoration team at Restoration Now! wants to push the fact that the answer to these two extremely important questions is “No, floods are not covered.” In many cases, homeowners, renters and landlords do not know this tid-bit of information and find themselves having to pay an unexpected bill during a flood emergency.
Maybe you’re one of the lucky ones and you already know that floods aren’t covered under most homeowners and renters insurance. Or maybe you knew that you had some type of coverage, but aren’t aware that certain situations do not fall into the eligibility for a claim.
Negligence is one of the most common areas many individuals that live in a house or apartment do not factor in. For example; you are filling your tub for Johnny’s night time bath. The phone rings and you run off to answer it. You are talking to Aunt Julie about a school assignment for Johnny that she forgot to tell you about earlier when she was babysitting. You sit down to write down the details so you can help Johnny later that night. You simply forget that the water is running in the tub. Eventually the tub water heightens and overflows and you now have water damage.
This story is not much of a stretch of what can happen in real list. Many of you might think that this situation would be covered under your basic home insurance or flood insurance. In some cases it can be, though it is all based on the factors of the particular situation.
Our full water damage restoration specialists can help you determine on a case by case basis what is covered and how can we help you get your home back into working order like this moment never happened.
Statistics Concerning Flood Insurance
Bankrate.com released a poll stating that only 13% of homeowners have flood insurance, down from the 18% in 2008, even after FEMA has come out to say that flooding is the top natural disaster in the USA. Now why isn’t this hitting home with Americans? Did you know that even if you are not in high potential flood zones, a quarter of flood claims come from the low risk places? That could be you!
Do you remember when Omaha had that flood two years ago when the Missouri River rose well over the normal range into people properties and homes? That was a devastating experience for a lot of people that didn’t think they needed flood insurance in our community.
Flood Insurance Coverage
At Restoration Now! Omaha, we strive to keep you fully educated on all subjects related to fire, smoke, water, and mold emergencies. Our water restoration specialists recommend getting flood coverage. It’s fairly inexpensive and will give you the peace of mind that you will be okay if you experience a flood emergency. Flood insurance can be as low as $50 a month, probably less than you’re your cable bill. If you do have a flood you will be glad you read this blog and decided to get insured.
As with any insurance, there are different kinds of flood insurance with different deductibles. It will cover the house as well as the contents, but if you have a higher priced house and high-end belongings you may want additional insurance for that. You can get insurance whether you are a renter or a homeowner, and even if you decide to get it right away, sometimes the policies don’t kick in for 30 days. So sooner rather than later is best.
Call Restoration Now! Omaha Today at (402) 502-7277
Our Restoration Now! will come out promptly to help you if you do have a flood, and we will work with your insurance company to get your water damage cleaned up and taken care of. We will also work with you if you don’t have flood insurance and help to figure out the most cost-effective way to get your home back to normal. Call Restoration Now! Omaha today at (402) 502-7277 for an estimate and any questions or concerns you may have about flood insurance. We are always here for you in your time of need, 24/7 if an emergency occurs!