Flood Insurance Quote Placerville, California
Common Myths About Flood Insurance
Did you know that flooding can cause damage in the five-figure range to your home? Yikes! In spite of this, and the fact that flooding can be one of the most common causes of damage from natural disasters in California, many people don't want to purchase flood insurance because of a few myths, including the following:
Myth #1: Flooding is covered by my homeowners insurance. California homeowners insurance does not cover flooding, or hurricanes either, for that matter.
Myth #2: I don't live in a high-risk zone. So, I don't need to worry about flooding. Flooding can be caused by all sorts of perils, including rapid accumulation of rainfall from a hard California rain, excess river-flow, tidal surges, and even changes due to building and development.
Myth #3: Flood Insurance is expensive. California flood insurance generally costs a little more than a hundred dollars a year.
What Does Flood Insurance Cover?
The National Flood Insurance Program pays for general cleanup and repairs of your home. It will also cover some of the contents necessary to basic living, such as your washer and dryer, freezer and frozen food. It will pay for the necessary repairs required to make your home livable and sanitary. This is a basic government program without many frills.
Fortunately, with flood insurance from O'Donnell Insurance Services, you can protect yourself from this devastating financial loss and from the following types of scenarios including:
- Mudflow
- Rapid accumulation or runoff of surface waters from any source
- Storm Surges
- Blocked storm drains as a result of storms
- Overflow of inland or tidal waters.
When's the best time to purchase California flood insurance? Now! It won't be available at the onset of a disaster. Get a flood insurance quote today.
Photo by U.S. Geological Survey.
