Flood damage can happen more easily than many people realize. It doesn’t take a major hurricane or natural disaster to cause serious water damage — even a few inches of standing water can lead to costly repairs and property loss.
One of the biggest misconceptions about flood damage is that it’s covered by a standard homeowners insurance policy. In most cases, flood insurance must be purchased separately through a standalone policy.
At Horizon Insurance Group, we help homeowners understand their flood risk and find coverage options that fit their property and budget.
Flood insurance can help cover:
- Damage to your home and foundation
- Personal belongings
- Cleanup and restoration costs
- Certain temporary protective measures after a flood event
Every property is located within a FEMA flood zone, though some areas carry higher risks than others. In some cases, your mortgage lender may require flood insurance based on your property’s location.
It’s also important to know that most flood insurance policies include a waiting period before coverage begins, so it’s best not to wait until severe weather is approaching.
Whether flood insurance is required or simply recommended for your property, our team can help you review your options and better understand your level of protection.
Ready to get started? Contact Horizon Insurance Group or request a quote online today.