Flood insurance denotes the specific insurance coverage against property loss from flooding. . Over time, certain areas are more likely to flood than others, but flood damage can happen to anyone. If you live in certain areas with greater odds of flooding and have a mortgage, federal law may require you to have flood insurance. But even if you’re not required to have flood insurance your home could still be at risk.
Flood Insurance Coverage:
Flood insurance covers the structure of your home and your personal property from, well — flood damage. But here’s the thing; regular water damage and flood damage can be separate, specific conditions when it comes to property insurance. How Far In Advance Should I Buy Flood Insurance?
Most flood insurance policies require a 30-day waiting period before the coverage is effective. Exceptions are only made for a few specific circumstances such as if you've purchased a new home and the closing is in less than 30 days.
So make sure you’re prepared; get a flood insurance quote today! Call 1-800-397-3748