Becoming aware of the risk of flooding

Was super-storm Sandy a one-time fluke of nature? Or a hint of changing weather patterns with more to come? One thing it taught us was that weather forecasting isn’t 20/20 and flood damage can occur anywhere, anytime. So it’s important to prepare for the possibility of a flood, no matter how distant the possibility.

Super-storm Sandy holds lessons for us all

After the super-storm it was discovered that far too many property owners didn’t have even the most basic flood insurance coverage.

Perhaps they thought the risk of flood in their area was low. Maybe they weren’t aware that their homeowner or property insurance policy didn’t cover flood damage. It also seemed that many people weren’t familiar with the cost-effective flood plans available through the National Flood Insurance Program (NFIP).

Whatever their reasons for not having coverage then, we want YOU to understand the seriousness and urgency of having proper flood protection now.

How to avoid costly mistakes

First, review your homeowner’s and/or property insurance policy carefully. It’s possible that it doesn’t protect you against flood damage at all. If that’s the case, you can purchase a separate policy through the NFIP to cover for flood damage. The Hartford is a major flood insurance carrier.

Remember these important flood insurance facts:

• Flood insurance is available nationwide.
• Even if your property is in a floodplain or high-risk flood zone, flood insurance is still available in your area.
• You can still get flood insurance even if your mortgage lender doesn’t require it.
• If your property is outside of a floodplain or in an area with low or moderate flood risk, your flood insurance costs will be lower.

Get the information you need about flood risk and protection  

Call your dedicated flood insurance agent at 877-742-7201

Make better, more informed decisions about flood insurance. Find out about your flood risk, protection options and how to protect your valuable property.