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All You Ever Wanted to Know About Insurance

Why Flood Insurance Is a Must for America’s Homeowners

If you think your home isn’t at risk for damage from flooding, think again.

According to FEMA, “Since 1996, flooding has affected 99% of U.S. counties, bringing significant damage and financial costs to homeowners and businesses.”

The threat of flooding is that widespread. It isn’t just high-risk flood zones that are in danger. Heavy rainfall, rapid snowmelt, storm surges, and blocked drainage systems can all lead to flooding. 

No matter where you’re located, flood insurance can offer you financial protection.

Most Homeowners Insurance Policies Don’t Include Flood Coverage

Your typical homeowners policy will not cover damage to your home caused by flooding, and anyone who has experienced even minor water damage knows what a headache and financial burden water can bring.

Flood damage can result in extensive and expensive damage to your property. Flood insurance helps cover the cost of repairing structural damage and replacing personal belongings destroyed by flooding.

Federal Aid Has Limitations

If the federal government declares the flood a national disaster, there can be financial assistance available, but this aid is usually in the form of loans that need to be repaid.

Flood insurance provides you with the financial support you need without the burden of repayment.

Spring Flood Season Is Coming—Are You Prepared?

Spring and summer are already traditionally the wettest seasons of the year for most of the United States, and extreme weather conditions have become the norm of our forecasts as of late across the country.

The risk of flooding is on the rise.

Your local, independent Wichert agent can help you secure the flood insurance you need to make sure your property and possessions are protected in the event water gets in where it ought not to be. Flood insurance expedites the recovery process, enabling swift home repair or reconstruction, thereby minimizing disruptions to your life.

Browse the various plans and policies offered through Wichert and connect with your local Wichert agent today.