Important Facts to Know About Your Flood Insurance

Floods can occur at many times and impact homes in different ways. At Allkane Insurance serving Stamford, CT, we can provide the policies you need to protect your home. In addition, our experts will work with you to help educate you on various important flood insurance information. These facts are among the essential elements of finding an excellent home insurance policy for your house.

Flood Insurance is Not Home Insurance 

While your home insurance will cover many natural disasters in your area, it does not cover floods or flood-related losses. Therefore, you’ll need a specific policy designed for floods, one that makes sense for your needs and which is suitable for many situations related to various flooding types.

Flood Insurance Covers Physical Losses 

Your policy will cover any direct physical loss that a flood causes in your home. These include any damage to your home’s structure or furniture caused by rising waters or waves from the floods. It can also help pay for other types of problems that may occur throughout your house. 

Flood Insurance Covers Mold 

If a flood causes mold to spread through your home and impact your house’s safety, you need remediation services to protect yourself. Thankfully, many options are available to manage this issue, and your flood insurance can help make this process easier to handle as a person. 

Protect Your Home From Floods 

If you’re concerned about floods in your area and what policy makes sense for your needs, please reach out to us at Allkane Insurance right away to learn more. We serve the Stamford, CT area with significant policies created to cover a broad range of situations. By understanding your options, you can carefully protect yourself and minimize the dangers of mold and other issues in your home.

Do I need flood insurance

Floods are the deadliest natural disasters in the world and the United States. They cause billions of dollars in damage every year. Note that floods can and do happen in every state. With rising water worldwide, the danger is real everywhere. It comes as a result of heavy rains that send streams and rivers running over their banks. In the Northeast, the melting winter snows are an almost yearly threat. Hurricanes regularly come North and cause extreme flooding in Connecticut, as well. Having flood insurance can make dealing with one of these events much easier. At Allkane Insurance in Stamford, CT, we will work with you to make sure your home is safe in the event of a flood. 

One thing that comes as a shock to many homeowners is flooding is not covered with traditional home insurance. This makes it imperative if there is any possibility water could get up to your home and damage it, you need flood insurance. The federal government regulates flood insurance. Prices for identical coverage will be the same no matter which carrier you choose, so it is wise to choose one with a reputation for excellent service. We are an independent agency, so we don’t work for just one company. We can help make recommendations when it comes to choosing your carrier. 

Flood insurance is sold in two parts. You can buy one or both. The building structure is one part, and the contents are the other. The structure includes the building itself and all the permanent things like electric, plumbing, HVAC, etc. Contents are your furniture, electronics, and personal items. 

If you want to learn more about flood insurance and what benefits you will receive from a policy, contact Allkane Insurance in Stamford, CT. Our team is here to offer you the information that you need. Give us a call and make an appointment to discuss flood insurance.