it doesn’t take a catastrophic amount of water to do significant damage to a home.

Flood insurance: Will it be a Wet Year for California?

“Several climate experts,” according to a news report, “are saying they are unsure what this winter will bring” for the state.

While some areas of California were harder hit than others by last year’s storms it doesn’t take a catastrophic amount of water to do significant damage.

Flood is one of the exclusions on a home insurance policy. Because there is a 30 day wait period on flood insurance, you can’t wait until there’s an impending storm to up your policy.  Last year California had record rains and some people were left high and dry (no pun intended).

Flood Insurance Facts

✅ Flood insurance is a separate, additional policy.

✅ Homes in a high risk flood zone can be as inexpensive as a few hundred dollars. (Those in “high risk” areas likely already have flood insurance as the mortgage lender requires it).

✅ Flood insurance includes building (it will repair the damage) and losses.

✅ Although home insurance will cover some types of flooding, it will not cover water that comes from the outside in, which is bad news for owners with sloping yards, clogged drains, or areas that can pool water.

✅ Flood insurance also covers water back up through drains. (This is important because although some home insurance policies do cover “back ups,” up to $5000, you will not have to file a claim through your home insurance).

Contact Cappuccino Insurance for more information on Flood Insurance and other policies for your home, business, and automobiles.