What Happens During a Flood?

What Happens During a Flood?

With Hurricane Florence having just moved through the South and all of the catastrophic flooding that is still happening there, it got us thinking about Flood Insurance.

First, we’d like to send our thoughts and prayers to those who were displaced by the hurricane and who will be working for months to recoup all they lost. Here’s to a swift recovery.

Floods don’t happen only in the South or in coastal areas; even the northeast can get slammed with storms and other disasters. Hurricanes Sandy and Irene were catastrophic. They cut off towns throughout upstate NY and Vermont, and led to widespread flooding.

And it’s not just flooding from these super storms that you have to worry about. You could find yourself with a flooded home due to heavy rains during a drought. It only takes a few inches of water to wreak havoc on your home.

So what can you do to protect your home?! Get FLOOD INSURANCE!

Here’s what you need to know…

  • Most of us who live in the greater Glens Falls area are in a Preferred Flood Zone, meaning it rarely ever floods here.This is great news! Flood Insurance in Preferred Flood Zones is typically very inexpensive.
  • Flood Insurance takes 30 days to go into effect. You can’t watch the weather and get a policy expecting it to protect your home. It’s best to be proactive and get it now.
  • Homeowners or Renters Insurance would likely cover hurricane wind and damage incurred, but would NOT cover damages due to flooding.

In summary, don’t wait to get insured! It won’t do you any good to buy flood insurance right before a forecasted storm. Remember, if your home is the only one that floods, you will likely NOT be covered. Lots of flooding, you will be covered.

If you’re unsure what would be covered by Flood Insurance or what is considered flooding, it is best to speak with your trusted Insurance Agent. We are knowledgeable and well versed in what exactly is covered by this insurance. Give us a call today! We’d be happy to discuss it with you!