3 Reasons You Need Flood Insurance

Devastating storms have brought flood-related headlines many times in recent years, especially in New Jersey. Hurricane Sandy was a grim reminder of the importance of being prepared for disasters, but far too many people still don’t have flood insurance in NJ. Here are three reasons why flood insurance should be one of your top priorities.

1. A Small Amount of Water Can Cause a Large Amount of Damage

Even a minor flood can wreak havoc on your home. Just a couple inches of water can cause thousands of dollars worth of damage to carpets, floors, furniture and even the walls of your house.

2. Floods Can Strike Anywhere

A common misconception is that floods only occur near major bodies of water or in low-lying areas. The truth is that floods are a possibility no matter where you live. In fact, nearly 25 percent of flood insurance claims come from low-risk or moderate-risk areas.

3. Homeowners Insurance Rarely Covers Flooding

Floods are the most common natural disaster in the United States, but most homeowners insurance policies do not cover damage from flooding. Without flood insurance in NJ, the next hurricane could leave you with a flood-damaged home and no way to pay for repairs.

Don’t wait until its too late to protect your home. Talk to a professional insurance agent to discuss what options are available to you.

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