Who Needs Flood Insurance?

Flooding is something that happens often, and not always where you think it will. Flooding is the most common disaster in the U.S., and it’s also the one that costs the most in damages. Homeowners in the U.S. end up owing millions of dollars in damages every year thanks to floods. If you are interested in getting flood insurance, call us today at Zenith Insurance Group in Pinellas County.

Where Flooding Happens

Flooding can be caused by a number of factors. It can happen with storm surge, snowfall that melts, excessive rains, clogged storm drains, broken dams, etc. Many people think that because they don’t like near the water, they aren’t in danger of being flooded. However, nearly every county in the U.S. has experienced flooding in the past 25 years. Flooding can happen just about anywhere, and it’s important to be protected in case it happens to you. Standard homeowners’ insurance does not cover flooding. That’s why flood insurance is so important. 

Getting Flood Insurance

It’s a common idea that you only need to have flood insurance when you live in a high-risk flood zone. It’s important insurance to have if you live in one of these zones, but it is important in other areas as well. More than 20% of the country’s flood claims are from areas that are not in high-risk areas. That makes it important for people outside of those zones to have coverage as well. If you do live in a high-risk area and have gotten assistance in the past for flooding, you may be required to have this insurance. If you don’t, you may be ineligible for other disaster aid in the future. 

Get Your Flood Insurance

If you think you may need flood insurance, you can call us at Zenith Insurance Group in Pinellas County.