Many people are under the impression that flood insurance is only for home and business owners who live in a flood zone. Recent flood events have proven this theory false. Floods are occurring in flood and non-flood zone areas all over the country. With flood insurance, you can have the protection you need to recover from unanticipated flood disasters. Here’s how flood insurance from The Wurzel Agency can protect you.
What Flood Insurance Covers
Flood insurance offers two types of coverage: protection for your building (home) and protection for its contents.
Building coverage covers flood damage to your home’s foundation, walls, staircase, wall-to-wall carpeting, paneling, and cabinets. It also protects your plumbing and electrical systems, furnace, water heater, built-in appliances, and window blinds. If you have attached structures to your Oviedo, FL home like a patio or garage, these are also protected under your flood insurance building coverage.
Contents coverage protects your personal belongings, furniture, electronics, washer, dryer, portable AC units, small appliances, rugs, artwork, and other valuables.
What Kind of Damage Can Floods Cause?
Flooding can cause extensive structural damage to your home in very little time. You may notice frayed electrical wires, cracks in your foundation, buckled flooring, and mold. Floodwaters can compromise your HVAC system, water heater, refrigerator, and other major appliances. Some homeowners have lost all that they owned due to a flood disaster.
Do You Need Flood Insurance?
Flood insurance can provide you with financial support to recover from a flood disaster. Unless you have the finances to rebuild your home or replace your goods on your own, you can significantly benefit from the help that flood insurance can provide in recuperating your losses after a flood.
To purchase flood coverage for your Oviedo, FL home, contact an agent from The Wurzel Agency today.