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April Showers – Do I need Flood Insurance?

April Showers – Do I need Flood Insurance?

April is here, which means we are going to see our annual uptick in rainy weather. While April showers can bring May flowers, they can also come with flooding, unfortunately enough. Even though many of us have welcomed spring with open arms after the harsh winter we had this year, we have to be on our toes for flooding in April and May, even if we don’t live in a flood zone.

Do I Live in a Flood Zone?

Even if you don’t live in a flood zone, April showers will still have you at risk of flooding. Although, if you do live in a flood zone, then you are certainly at more risk, and you should consider flood insurance coverage with a sense of urgency during this time of the year. If you’re unsure of if you’re in a flood zone, then you could check out FEMA’s Flood Map Service Center to find out.

Do I need Flood Insurance Outside of a Flood Zone?

As we mentioned, even if you aren’t in a flood zone, with April showers on the way, this coverage could save you and your family in the long hull. Flood insurance isn’t included in a typical homeowner’s policy, and in the event that you had flood damage to your home, we’d hate to see you lose your entire investment.

A flood can happen even outside of a flood zone. In fact, the National Flood Insurance Program say that flooding, “occurs when weather conditions cause mud or water to flow into two or more properties or two or more acres of normally dry land.” That being said, within the last five years, we’ve had one of our customers report to us right here in Stafford on Rocky Dundee Rd. that part of the road had washed away and slid right into their house, causing massive damage. Thankfully, they had the proper coverage to get through this awful situation, but do you?

Get the Protection you Need

If you’re still asking yourself, “Do I need flood insurance?” then our agents are here to help. Even outside a flood zone, a flood insurance policy can save you and your family from flood damage. Our agents work hard to ensure that all of our customers fully understand their coverages to get the proper protection you need. When April showers are on the way, we want to make sure that you had a chance to consider flood insurance before it’s too late. If you have any additional questions, or you’d like a free quote, feel free to contact one of our licensed insurance agents today by reaching out to us at 860-684-5270 or through Facebook Messenger.

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