While your home insurance provides coverage for many incidents, it doesn’t protect against floods. For that, you need a separate flood policy. But is this coverage necessary outside of a flood zone? The answer is yes. Every homeowner should have this coverage to be prepared for the worst. Contact us at Alta Vista Insurance Agency in Carlsbad, CA to get started with a policy.
Understanding Flood Zones
Flood zones are areas identified as having a high likelihood of flooding based on a specific schedule. However, this doesn’t mean that areas outside of these zones are immune to flooding. A home may be in a 25-year flood area and experience a flood, but that doesn’t exclude areas outside that zone from being affected by the same flood. About 20% of flood claims come from areas that aren’t in flood zones. That’s one out of every five claims. The significant number of claims from outside these zones underscores the seriousness of the issue.
Flooding Can Happen Anywhere
Many people believe their area is safe from flooding due to its geographical characteristics. However, virtually any area can flood, even mountainous regions. It’s crucial to be prepared and covered for flooding no matter where you live. Experiencing a flood without flood insurance could result in a financial disaster and potentially the total loss of your home.
Secure Your Flood Insurance in California
Ensure your home is always covered by flood insurance to avoid financial hardship following a flood. For complete protection, every homeowner needs both home and flood insurance policies. Contact us at Alta Vista Insurance Agency in Carlsbad, CA to learn more.
