If you are a homeowner, you likely have a home insurance policy. Home insurance protects you from various damaging events, including certain disasters. However, it does not cover floods. For this protection, you need both a home and flood insurance policy to avoid damage and extensive repair costs. To secure your home and\/or flood insurance policy, reach out to us at Birmingham Insurance Agency LLC in Birmingham, AL.<\/p>\n
When you sign up for a home insurance policy, there are certain exclusions, including flood damage. Floods can cause extensive harm, sometimes rivaling the damage caused by a fire. Since flooding is specifically excluded from your home policy, it’s necessary to have a separate flood policy to shield yourself. A home insurance policy provides protection from many other risks but will not be helpful in the event of a flood. Thus, both types of policies are essential for comprehensive protection. <\/p>\n
There are areas designated as flood zones, and these spots are expected to flood at specific intervals, such as every 20 years. A flood policy is mandatory if your property is located in one of these zones. However, flooding can still happen even if you are not in a flood zone. Around 20% of flood claims come from outside any designated flood zones. Hence, it’s necessary to have a flood policy regardless of your location. Flooding can occur in various climates and terrains, and it can happen to you. <\/p>\n
Having both home and flood insurance policies increases your shield against potential damage as a homeowner. For assistance, please feel free to contact us at Birmingham Insurance Agency LLC in Birmingham, AL.<\/p>\n","protected":false},"excerpt":{"rendered":"
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