Flood Insurance in California

Why Doesn't Homeowners Insurance Include Flood Insurance?

While it is always recommended to double-check the fine print of your insurance policy, most homeowner's insurance plans will cover water damage if it is sudden and accidental but not floodwater - regardless of the cause. Take the following example - a pipe bursts and leads to significant damage that destroys personal property like a computer and the furnishings in your basement. In a situation like this, homeowner’s insurance will likely pick up the tab after your deductible is met. However, if your home is flooded with groundwater, whether it is from a hurricane or oversoaked soil, it is highly likely homeowners' insurance won't pick up any portion of the bill.

Do I Need Flood Insurance?

If you live in a high-risk flood area as intimated by the Federal Emergency Management Agency (FEMA) and have a mortgage, it is highly likely that you are already paying for flood insurance because it is often a requirement from mortgage companies in high-risk areas. Working with a real estate agent that is familiar with the area can help you hone in on properties that are outside or within a designated flood zone. However, even if you live in an area that doesn't require flood insurance, the cost is worth it for peace of mind. Since we've already learned that regular homeowners' insurance policies are pretty strict when it comes to excluding even accidental floods, it is best to have the security offered by flood insurance.

At Rock Hard Insurance Agency in Fontana, CA, we serve west coast residents for all their insurance needs, whether it is flood or auto coverage. We pride ourselves in offering exceptional service built around our honest and trustworthy reputation. Give us a call today to schedule a time for a no-obligation appointment to discuss your flood insurance options. Our dedicated and professional team in Fontana. CA is ready to answer all your questions.

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