Owning a home comes with many responsibilities, and one of the most important is ensuring you have flood insurance to protect your property. Unfortunately, many homeowners mistakenly believe they don’t need flood insurance. One common misconception is that home insurance covers floods; however, this is not true—home insurance typically does not provide coverage for flood damage. It’s essential to have flood insurance regardless of your home insurance policy.

Another reason people skip flood insurance is the belief that it’s unnecessary if they don’t live in a flood zone. However, the reality is that flooding can occur anywhere, and having flood insurance is a prudent precaution, regardless of where you live. To get started with flood insurance, contact Birmingham Insurance Agency LLC, located in Birmingham, AL.

Understanding Flood Zones

Flood zones are areas identified as having a higher likelihood of flooding, typically located near bodies of water that are prone to overflow. These zones are generally assigned a frequency of flooding, such as once every few years. While most floods occur within these zones, it’s important to note that not all flooding is confined to them. Approximately one in five flood claims comes from properties outside designated flood zones.

Flooding Can Happen Anywhere

With Birmingham’s hilly terrain, it might seem unlikely for certain areas to flood. However, even mountainous regions can experience flooding. Regardless of the landscape, flooding is always a possibility. Being prepared with flood insurance ensures you’re protected against the financial burden that flooding can bring.

Secure Your Flood Insurance Today

If you don’t yet have flood insurance, your property could be at risk of costly flood damage. To safeguard your home, contact Birmingham Insurance Agency LLC in Birmingham, AL, and get started with a flood insurance policy today.