Beaumont Houston Contact
Beaumont: 409-951-3900 Houston: 713-669-0234 Contact Us Provider Look Up Pay My Premium
Logo
☰ ˟
  • Business
    • Commercial Auto
    • Commercial Property
    • Commercial Umbrella
    • Client Advisory Services
    • General Liability
    • Investment and Retirement
    • Small Business Insurance
    • Workers' Comp
  • Employee Benefits
    • Employee Benefits
    • Member Resources
    • Ask Us About Alternative Funding
    • Reference Based pricing
    • Direct Contracting Options
  • Personal
    • Auto Insurance
    • Flood Insurance
    • Homeowners
    • Watercraft & Boat
    • Motorcycle Insurance
    • Personal Umbrella
    • Recreational Vehicle
    • Tenant Dwelling
  • Individual Health Plans
    • Individual Health Plans
  • Life
    • Life Overview
    • Whole Life
    • Universal Life
    • Term Life
    • Final Expense
  • Services
    • Ironwood Business Consulting
  • Blog
  • News
  • About Us
    • Our Story
    • Meet Our Team
    • Insurance Carriers
  • Contact Us
    • Contact Us
    • Our Location
Home > Blog > Flood Insurance; Do You Really Need It?
WEDNESDAY, JUNE 1, 2022

Flood Insurance; Do You Really Need It?

insuranceMany businesses and homeowners go without flood insurance. They figure the odds are low that anything will happen. Some people may think that a flood is covered under their current policy. Let us correct you; unless you have added the coverage, it is excluded. We agree that the probability is low, none the less, it does exist. Some mortgage companies may even require flood insurance, depending on where your home is located.

In the aftermath of Hurricane Sandy, businesses, homeowners and renters are discovering what insurance covers — and what it doesn’t — while those with minimal or no insurance may be reconsidering flood insurance. In Montana, thousands of families are still displaced with little indication of when, or if, they’ll be able to return to their pre-Sandy lives.

Myths about flood insurance:

·         It is expensive.  Not true.  Costs generally run around $500-$600 per year, depending on location and home value.

·         Flood insurance is for people who live by rivers.  Not true. 1-4 flood claims come from homes not in flood plans.

·         Water damage is water damage. Not true.  While most policies cover water damage from rain, it excludes coverage from flooding or rising waters.

If your home is in a flood zone, the National Flood Insurance Program (NFIP) offers coverage and PRL Insurance can help you secure affordable coverage.

Insurance is all about understanding risks, and not every homeowner is equally at risk for flood losses. Your risks depend on how close you live to rivers, streams, lakes or flood zones, or how well your home was built to withstand losses.

The last thing we want is for you to be knee deep in water without the proper insurance. We recommend you consider the options, contact us today.

Posted 7:27 PM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • home insurance(27)
  • business insurance(24)
  • insurance(24)
  • auto insurance(22)
  • commercial auto(2)
  • general liability insurance(2)
  • commercial(1)
  • liability insurance(1)
  • commercial property insurance(1)
  • coverage(1)
  • umbrella(1)
  • group health(1)
  • employee benefits(1)
  • liability(1)
  • workers compensation insurance(1)
  • benefits(1)
  • general(1)
  • commercial auto insurance(1)

View Mobile Version
Personal Insurance Auto Insurance Flood Insurance Homeowners Watercraft & Boat Motorcycle Personal Umbrella Recreational Vehicle Tenant Dwelling
Commercial Insurance Commercial Auto Commercial Property Commercial Umbrella Employee Benefits General Liability Investment and Retirement Small Business Insurance Workers' Comp

About Us Our Story Office Locations JSE Team Insurance Carriers Request a Quote File a Claim
Main Office 4155 Phelan Blvd Beaumont, TX 77707 409-832-7736 Fx: 409-833-1721
© Copyright 2023 JS Edwards & Sherlock Insurance. All rights reserved.