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Do you need Hartford flood insurance? While you think you don’t, you may want to think about that again. More importantly, if you do find yourself needing flood insurance, there’s a period of about thirty days before your policy kicks in. That means if you put off getting a flood insurance policy until June or July, and yet a nearly May storm whips through the area, causing a flood that damages your home, then you’d be out of luck. Your homeowners policy wouldn’t cover the damage and you’d find yourself shelling out some serious dough.
Luckily,most people who need flood coverage can buy a policy offered by the National Flood Insurance Program (NFIP). But how do you know if you live in an area that is prone to frequent flooding? Well there’s a host of factors but that’s for a different day and another blog.
So what are the chances then of your business, home or personal property being damaged by a flood? Well obviously it depends primarily upon where you live. But it also depends on other factors as well. They include:
Do you experience frequent amounts of flood warnings?
the level of flood precautions you take (such as moving personal property from lower levels to higher levels)
What type of steps or precautions are often taken by your community regarding flooding? This includes flood controls in construction standards or sandbagging threatened areas, or even hurricane barriers. All of these factors play a role.
Floods are related to weather conditions and tend to affect very wide areas. That’s why it’simportant to do your homework and see if flood insurance is right for you and your family. Remember to get it now before it’s too late! Give Paradiso Insurance a call today!