Do I Need Flood Insurance For My New Home?

April 11, 2022

When natural disasters, accidents, or other property-threatening events strike, homeowner’s insurance helps get your life back on track. Flooding, however, is not typically included in traditional homeowner’s policies.

When Flood Insurance is Required

If you live in flood plains or near bodies of water, you may be required to get flood insurance as a condition of ownership. Check your FEMA flood zone status to confirm.

Mold Remediation and Sanitation

Rising water isn't just about structural weight; stagnant water brings mold, bacteria, and debris. Clean-up costs for hazardous mold can be extremely high, making specific flood coverage essential for your family's health.

Flood Insurance is Affordable

Compared to the cost of a total home restoration, flood insurance is remarkably affordable. Speak with our team to understand the distinction between natural disaster flooding and burst pipe damage.

Coverage Details

Policies can be written to cover both structural repair and personal belongings. We can walk you through the valuation of your possessions to ensure your peace of mind.