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What is a flood?

A flood is an excess of water (or mud) on land that’s normally dry. Floods often happen when bodies of water overflow or tides rise due to heavy rainfall or thawing snow. But you don’t have to live near water to be at risk of flooding. A flash flood, which can strike anywhere without warning, occurs when a large volume of rain falls within a short time. There’s something you should know: Flood losses aren’t covered by your homeowners insurance policy.

You have options for flood insurance.

“Flood” as defined by the National Flood Insurance Program: “A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from Overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters from any source, mud flow, or collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.”
Flood Insurance policies protect your home in the event of a flood, and is required in most coastal regions. As soon as you complete your claim, we’ll file it and send an adjuster to your location to verify the extent of your flood damage. We’ll work hard to get you back to normal fast.

Frequently, buildings, roads, and parking lots are being built where forests and meadows used to be, which in turn, decreases the land’s natural ability to absorb water. Combined with ever-changing weather patterns, this construction has made recent floods more severe and increased everyone’s chance of being flooded. Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding? Contact us today.

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