Flood Insurance

We wanted to make sure that you understand that while a standard home insurance does not cover flood damage, it should still be a part of your insurance portfolio. Here are some additional facts relating to flood insurance that all of our customers need to know:

• You don’t have to live near water to be flooded. Approximately 25 percent of all flood insurance claims come from “low-risk” areas. Floods are commonly caused by storms, melting snow, dam or levee failure or water backup due to overloaded drainage systems.
• Flood insurance is affordable. The average policy costs around $300 annually for about $100,000 of coverage.
• Flood insurance claims are paid even when a federal disaster is not declared.

Bottom line – flood insurance is fairly inexpensive and perhaps most importantly, it will protect you from having to spend lots of money repairing your basement and/or first floor should a flood actually occur. If you’re considering flood insurance, give H&K Insurance a call at 800-890-5606 or email us – we are ready, willing and able to help you properly protect one of your most valuable assets – your home.

Click here for a “Flood Preparedness” PDF that will assist you in both planning for a flood and recovering from its effects.

Click here to visit FEMA’s website and review resources and insights that they have to offer.