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If you’ve ever wondered about whether you need flood insurance, you may question whether people in your area really need this protection. It’s important for every homeowner to have flood insurance, and that includes people who are not in a flood zone. The coverage is essential for protecting your home and making sure that the damages can be paid for if there is a flood. When you need flood insurance in Lansing, IA, call us at Kerndt Brothers Insurance Agency.
Flood Zones
There are many areas that are designated as official flood zones. These areas are more likely to experience flooding. There is generally a number of years that go with the designation. For example, a 20-year flood zone can expect a flood about every 20 years. The risk of flooding in this area, however, is higher in any given year than for areas that aren’t classified as flood zones. That makes it vital to have flood insurance if you live in these zones. However, flooding also regularly happens in areas that aren’t flood zones. Among all of the flood claims that are filed each year, about 20% of them originate from areas outside of flood zones. This means that everyone should have food insurance to protect themselves financially.
Flood Damage
Floods are one of the most damaging disasters that can happen. The damage that they can do can cost an astronomical amount to repair. It may even require that your home be rebuilt because it is so damaged. Without flood insurance, this may be impossible for you to afford. Serious flood damage that you can’t afford to repair means that you’ll lose the investment you’ve made in your home. Avoid the risk by getting flood insurance.
Get Your Flood Insurance Policy
To get your flood policy, call us at Kerndt Brothers Insurance Agency in Lansing, IA.
