Given the past few weeks’ barrage of storms across the country, we thought it might be time to talk a little bit about flood insurance. Living in a desert, it doesn’t really seem like we would need flood insurance, but as we all know from this Spring’s heavy rainfalls, this Valley can become quite saturated with water. If you live in a high risk flood zone, you probably already have insurance; but if you don’t, you might be interested to know that according to FEMA “more than 20 percent of flood claims come from properties outside the high risk flood zone.” Not to mention that your homeowner’s or renter’s insurance usually won’t cover loss or damage caused by flood.
If you’d like to see if your home is in a flood zone (or close to one), check out FEMA’s Flood Map Service Center and type in your address. It’s hard to accurately predict the amount of snow and rainfall we’ll get in the coming seasons, but it doesn’t hurt to be prepared. Talk to your insurance provider about your options and any concerns you might have.
If you are looking for a good insurance provider in the area, we love using Stacy Trivitt at Allstate in Gardnerville.