Let's say the river near your home overflows its banks after an excessive rainfall, causing severe damage to your home and its contents. Your homeowners insurance takes care of all related costs, yes or no?
Answer: Not at all! Why? Because damages caused by floods are specifically excluded from all homeowners policies. You need to have a separate flood insurance policy in order to be covered.
Flood insurance is a very necessary coverage for those who live in flood prone areas, and even for those in low-to-moderate risk areas. However, it is important to understand that while homeowners insurance is designed to bring your home and its contents back to the same condition it was in before a loss, flood insurance is only meant to get you back on your feet. To understand more about how this coverage operates and what it covers, please visit this site: http://www.myfloodzone.com/
Q: How do I find out if I'm located in a Flood Zone?A: There's only one (1) way to know for sure; and that is with a Certified Flood Zone Determination. Q: If I'm not in a flood zone, is flood insurance still available?
A: Yes. It's quite affordable and should be considered. Even though you're not in a flood zone, your home could fall victim to flood as a result of severe weather conditions coupled with poor drainage in your community, your neighborhood, or even on your property. If this occurs, your normal homeowners or renters policy will not cover the loss. Only flood insurance will protect you from flood related damage. Know what Flood Zone you're in? this is what it means: http://www.myfloodzone.com/Flood-Zones-101.htm Flood Maps, Flood Zone Determination and Flood Insurance Disputes go to:http://www.myfloodzone.com/
Google Earth Flood zone look up : http://tinyurl.com/38vo63