You’ve got your dream home, but do you have flood insurance? It’s not just for those in flood zones, you know. Your regular homeowner’s policy won’t cover flood damage, and that government program? It only gives limited coverage.
Don’t let myths leave you high and dry. Take control, get informed, and let Ollis/Akers/Arney Insurance Business Advisors help you navigate these choppy waters.
Importance and Necessity
You’ve got to understand the importance of flood insurance. It’s not just for those in flood zones, since flood risk exists everywhere. Without it, you could end up facing financial ruin.
It’s a common misconception that homeowners insurance automatically covers flood damage, but that’s not the case. They’re separate policies, you see.
Even if you aren’t in a ‘high-risk’ flood area, lower risk doesn’t mean no risk. A sizable portion of flood claims actually come from outside high-risk zones.
Don’t rely on government disaster relief either. It’s often a loan that needs repaying, not a payout.
Remember, flooding can be caused by storms, melting snow, hurricanes, and even new construction changing runoff patterns.
Flood insurance is your best shield against these unpredictable events.
Debunking Common Myths
Don’t fall for the common misconception that your homeowner’s policy automatically includes coverage for water-related damages. In reality, it typically doesn’t. You’re responsible for ensuring that you’re adequately protected against floods.
Remember, flood risk isn’t restricted to those living in designated flood zones. You could be at risk even if your home isn’t within one. Flood insurance is a separate policy that you’ll need to purchase to guard against this specific peril.
Don’t rely on government programs, either. They only cover a small percentage of homes and don’t always provide comprehensive protection.
Getting Started
It’s time to take the first step towards safeguarding your home against water damage – reach out to us to get started. As experts in flood risk assessments, we’re well-equipped to guide you through the process.
We’ll start by evaluating your property’s susceptibility to floods, whether you’re in a designated flood zone or not.
Remember, regular insurance policies don’t usually cover flood damage. But don’t worry, we’re familiar with the intricacies of obtaining a specialized flood insurance policy. We’ll help you navigate through the often-confusing rules and regulations, ensuring you get the best coverage possible.
Don’t leave your home unprotected. Contact us today, and we’ll help you find the flood insurance solution that’s right for you. Let’s protect your home together. Now’s the time to act.
Contact and About Us
Reach out to our offices in Springfield, Branson, or Bolivar, MO, and we’ll be more than happy to assist you. Our team is skilled in flood risk assessments and familiar with the latest insurance policies and regulations. We’re dedicated to providing you with the most comprehensive and affordable flood insurance options.
Don’t let the misconception that only homes in flood zones need insurance mislead you. Flood risk exists everywhere. Also, know that typical homeowners insurance doesn’t cover flood damage. By working with us, you’ll get the right coverage to protect your home and possessions.
Filling out our flood insurance information request form is your first step to peace of mind. Let us debunk the myths and guide you to the best flood insurance solutions.
