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Understanding Flood Risks
Even if you don't live near a body of water, rain, snow, and even infrastructure failures can lead to flooding. Many homeowners are surprised to learn that standard homeowners insurance does not cover flood damage. It's important to assess your property's flood risk to protect your home and finances.
The Cost of Flooding
Just an inch of water can cause costly damage to your home. According to the National Flood Insurance Program (NFIP), the average flood claim amounts to around $30,000. Without flood insurance, you may be responsible for all repair costs out of pocket.
Check Your Zone
FEMA's Flood Map Service Center can tell you your home's risk level for flooding based on your address. Knowing your flood zone is crucial to making informed decisions about purchasing flood insurance.
Flood Insurance Policies
Flood policies are generally affordable and can save you from financial disaster when unexpected flooding occurs. Kelly Kimberling Insurance Agency offers policies that are tailored to meet your specific needs and provide peace of mind knowing that your property is protected.
Learn more about Flood Insurance and whether it’s right for you here. If you're still unsure about your need for flood insurance, give us a call at 208-882-4414. We're here to help guide you through your options and ensure you make the best decision for your home in Latah County, Moscow, ID..