Floods are the most common natural disasters in the United States. Annually, they destroy thousands of houses throughout the country. If you do not have flood insurance, the damage can be quite costly because in most cases it will not be covered by standard home insurance. Therefore, it is worth considering having it, regardless of your location. However, before getting a policy, it is important to know what flood insurance does and does not cover:
Flood Insurance Covers:
- Your home itself and its foundation
- Plumbing and electrical systems
- Carpets including wall-to-wall carpeting
- AC units, AC equipment, and water heaters
- Certain appliances, including dishwashers, stoves, and refrigerators
- Detached garages
- Washers and dryers
- Window curtains and blinds
- Permanently installed panels. cabinets, and bookcases
- Debris removal
- Personal belongings
What Is Not Covered By Flood Insurance:
- Damages caused by mildew or mold that could have been prevented by a homeowner
- Precious currency, metal, and other valuable papers, including stock and mortgage certificates
- Swimming pools and hot tubs
- Vehicles, including your cars and motorcycles
- Trees and bushes located on the property
- Fences, walkways, patios and other structures and elements of a landscaping
- Living expenses, such as hotel costs while your home is being rebuilt or repaired
- Any financial loss that you have as a result of flooding on your business property
- Damages as a result of earth movement, even if the movement was caused by flooding
Whether you live in a flood-prone area or not, flood insurance is an important and necessary investment that will protect you and your home. If you are a resident of Jefferson City, MO and you are thinking of getting a flood insurance policy, Luebbering Insurance Agency LLC is ready to assist you. For many years we have been working with the clients from Jefferson City, MO and other surrounding areas by addressing their insurance needs. Do not hesitate to give Luebbering Insurance Agency LLC a call and discuss flood insurance options with one of our helpful agents.
