brier June 13, 2013 1 Comment

Floods
are the most common and costly natural disaster in the United States.
Fortunately, most property owners who live in communities
participating in the National Flood Insurance Program can purchase
affordable protection to insure against flood losses,” FEMA’s
public relations department told 
Insurance
Journal
.

Most people don’t realize their insurance policy does not
include flood insurance.  Flood insurance has to be purchased in addition to
regular homeowners insurance. Some areas that are known flood zones will require
you to add this to your policy, but if you are not required it is
something to easily overlook and pass on getting so you can save some money. The sad
reality is a flood can happen to anyone, at any time, in any house. You don’t
need to be in a flood zone to have massive flooding and destruction
in your home.   A pipe can break, a massive storm could hit, or just
about any freak incident can cause your home major damage.

You always should carefully review all of the different forms of coverage
that you can add to your policy and choose wisely. Even if you just
add minimal flood coverage it is wise to add something. Living in
Florida especially with hurricane season it is a necessity!  If you think that living in the middle of the state far from the coast keeps you safe from this, you are wrong.  Please be aware that a hurricane can roll in and
cause major devastation to your home and belongings.

To help you choose wisely FEMA will soon be releasing a new way to
view your communities preliminary flood hazard date right over the
internet. This will give you a fantastic idea of what potential risk
you have and make it much easier for you to prepare and properly be
ready for anything that may come your way.

To learn more about FEMA’s upcoming programs be sure to check their
site for updates.
http://www.fema.gov/national-flood-insurance-program