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Floods seem to be getting more common, and a lot of people are looking into flood insurance. You may wonder if you need it, but you should realize that it is not part of the homeowners’ insurance you already have. Flood insurance comes from a federal program and the policy is bought separately from your homeowners’ policy.
In Astoria, OR, the Linda Dugan Insurance agency can help you sort out insurance for your home and help you make the best possible decisions for your needs.
A lot of it depends on where you live, and where the floodplains are. Your insurance agent can show you maps that will explain where floods are likely, or even possible. The location of your house has a lot to do with whether you should consider flood insurance. This is becoming more of an issue for people living on or very near the beach. FEMA maps can also show you if your home is in a high-risk area, and if it is, insurance is definitely a good idea.
Call or come visit the Linda Dugan Insurance agency in Astoria, OR to discuss your insurance needs. if you are an existing customer, it is always a good idea to update your policy to make sure you are covered adequately. We can also help you get the right insurance if you do not yet have homeowners insurance. You will need to consider flood insurance on the building, and on the contents as separate items, just as you would with all kinds of insurance related to houses.
Obviously, you cannot wait until there is a flood to get insurance, and there are time limitations. There are many reasons for floods like storms that make rivers overflow. In recent years the sea levels have also been rising some and causing flooding in some areas.
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