Flood Insurance and Your Home

It may seem like a long shot to say this, but everyone has the potential to have their home flooded. You may think that since you don’t live near a river, creek, lake or other bodies of water that you don’t need flood insurance. Not to cause undue alarm, but flood damage can happen just about anywhere. Rainfall from massive storms need to drain off, and if the watershed around your home is inadequate, you may find yourself in some trouble. If there hasn’t been much rainfall for a while, the ground may be so hard that the water does not soak in at first. It may just flow along the top of the land, taking the path of least resistance. Even a broken water main has the potential to flood your property. While these scenarios may seem unlikely to most people, it never hurts to be safe.

Is Flood Insurance Affordable?

Most homeowners insurance policies do not cover flood damage to your property. You may need to check your current plan to see if you have this type of coverage. If your insurance does not cover your home in case of a flood, it is easy to supplement your existing program. This addition should help make sure that you are taken care of in case the unforeseen happens. Regardless of the level of risk you may have in your area, you may want to consider a policy with FEMA’s National Flood Insurance Program (NFIP). Around 25 to 30 percent of flood cases occur in areas that are considered low to moderate risk. For this reason, it may be in your best interest to look into this type of coverage.

There are affordable coverage plans for low-risk areas under the Preferred Risk Policy. For as little as 119 dollars a year, your building or home and its contents are covered in the event of a flood. There is peace of mind in knowing you and your family are protected. In the event of flood damage to your home, it may be well worth that price tag.

Flood Damage Restoration Service in Abilene, TX

Service Master by A-Town/Hi-Tech offers help in the aftermath of a flood. We will help you by restoring your home as quickly as possible so that you can get back to the way things were. Our technicians will help by extracting the excess water. We also remove and restore structural elements, and even disinfect your home to guard against potential health threats. We also have state of the art dehumidification equipment that we use. It helps to protect your home from the unseen moisture problems that may be lingering. This process will help combat the proliferation of mold in your home. If you have experienced water or flood damage, contact ServiceMaster by A-Town/Hi-Tech and let us help you.