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Mitigating Flood Risks and Insurance Coverage

Understanding Flood Risk and the Importance of Mitigation

Flood mitigation strategies are designed to minimize or eliminate the potential damage from flooding in a cost-effective way that complies with floodplain regulations. Undertaking mitigation actions can potentially reduce premiums and simplify flood damage recovery. Though beneficial, it’s important to note that mitigation does not replace the need for flood insurance, especially in flood-prone regions where it is mandatory.

Different Types of Flood Mitigation

Mitigation for flooding takes several forms, including:

  • Relocation
  • Abandoning Lower Floors
  • Basement Infills
  • Wet Flood Proofing

FEMA determines whether or not you’ll qualify for a flood insurance discount, so don’t hesitate to inquire about your options.

Retrofitting for Flood Resistance

Retrofitting, or making modifications to a structure to resist flooding, is another way to protect against flood damage. Some examples of retrofitting might include:

  • Ensuring the lowest floor is elevated to meet or exceed regulated flood levels per local ordinances
  • Abandoning the bottom floor of the structure, effectively making the home a second-floor residence
  • Relocating structures to higher ground outside of the flood hazard zone
  • Filling in a basement or any areas with floors below the first level
  • Installing flood openings (wet flooding) that allow water to flow in and out of areas, thereby reducing structural damage risks

Have Questions or Need Flood Insurance?

Various flood risk management options may be available to help with flood mitigation and retrofitting costs. Check if these are available in your area, and if not, consider discussing it with government entities. Regardless, flood insurance is essential coverage you should not overlook. Contact our team at Land Home Insurance Services today to learn more.

Flood Insurance: Essential Protection for Your Home

If you think flood insurance is not for you because you don’t live in a flood zone, think again. According to FEMA, approximately one-quarter of flood claims come from homeowners who live in low or moderate-risk flood areas. Location alone is no guarantee that your home is safe from flooding. That’s why flood insurance from Land Home Insurance Services is essential protection for your home.

Flood Facts You Should Know

No home is totally safe from the risk of flooding.

Even an inch or two of flood water can be detrimental to a home. Imagine the damage a major flood event can cause.

Homeowner’s and renter’s insurance protects you from water damage caused by broken pipes or other plumbing problems, not floodwaters that originate from outside your home.

For protection against rising river waters, water surges, melting snows, or excess rainfall from hurricanes or tropical storms, you need flood insurance.

Without flood insurance, you run the risk of paying for flood damage out of your savings or retirement funds or taking out costly loans to rebuild your home.

Flood insurance can make all the difference in the world between recovering from a flood disaster and suffering financial ruin.

Protection Offered by Flood Insurance 

A flood insurance policy from Land Home Insurance Services can protect both your home and your belongings. Coverage for your home includes its foundation, walls, plumbing and electrical systems, furnace, water heater, and more. Contents coverage includes clothing, furniture, appliances, electronics, and anything else in your home. Flood policies offer up to $250,000 worth of protection for your home and $100,000 for your belongings. As it takes 30 days for flood coverage to go into effect, we recommend you not delay in protecting your property.   

To learn more about flood coverage options and costs, contact Land Home Insurance Services today.

When is it necessary to have flood insurance?

Owning a home is a dream for many people. As you are shopping for a property, it would also be wise to find an insurance plan that properly protects your asset. For some, this can mean getting a flood insurance plan.

There are various situations when flood insurance is necessary:

When Home Faces Potential Flood Risks

The primary situation when you want to have a flood plan is when your home is at risk of being damaged in a flood. If your property is located near a lake, river, or any other body of water that is prone to flooding, having the right insurance is a necessity. As home insurance offers limited coverage for flood damage, you will want to have a full flood insurance plan to offset this concern.

When Required

It is also necessary to have flood insurance when it is a requirement. There are various situations when a mortgage lender or home association will require flood insurance. If your home is deemed to be in a high-risk zone, this will likely be a requirement and obligation. Carrying this insurance will help keep you in good standing. 

There are many situations when you will want to have a flood insurance plan. Once you are ready to start looking for a new policy in this region, calling the team with Land Home Insurance Services is a good option. The professionals with Land Home Insurance Services know the value of this coverage and can help you properly assess all options. We can help you choose a plan that is ideal for your situation and home. 

Floods Likely to Hit You This Year? Buy a Flood Insurance Policy to Protect Yourself

While homes across the nation typically get assessed for flood risk every year, there’s still a potential that areas with low risk could have a flood out of nowhere. And suppose your site is likely to have a flood due to circumstances like unexpectedly heavy rains. In that case, it is essential to talk to us at Land Home Insurance Services serving Concord, CA to learn more about your potential coverage options. 

Why You Need a Flood Insurance Policy 

Flood insurance is a unique extra home coverage option that is separate from your standard policy. It provides coverage for things like natural floods from rainstorms and will help to pay for repairs to your home, relocation costs, renovations of various parts of a home, and even total construction. 

In this way, an excellent policy can help ensure that you don’t have to go bankrupt trying to rebuild your home or even end up homeless. And if you live in an area where your flood risk has been assessed as being low, there’s a good chance you could get a reasonable policy at a more than fair rate. 

But what areas are at a higher risk of floods this year? Many spots throughout California experience mudslides and other floods when the rainy season pops up. If you’re getting a higher-than-average rainfall in the state, and you’re near a river or lake, it is crucial to consider a policy seriously. 

What We Can Do to Help 

If you believe that Concord, CA and the surrounding area have a higher risk of flood this year and you want to protect yourself, please reach out to us at Land Home Insurance Services today to learn more. Then, we’ll sit down with you and find a policy option that makes the most sense for your needs. 

What does flood insurance cover

Almost any day of the week, you can listen to the news and hear about flooding somewhere in the United States. Rising seas have made other natural disasters more likely to result in extensive flood damage. Even as little as an inch of water in your home can cause thousands of dollars in damage. Protecting yourself makes all the difference. At Land Home Insurance Services in Concord, CA, we are an independent insurance agency that offers our customers a choice of top carriers and insurance products. 

Flood insurance is a product of FEMA (Federal Emergency Maintenance Agency), which is issued through the NFIP (National Flood Insurance Program) directly or through one of their approved carriers. It is designed to lessen the impact of flooding on homeowners, renters, and businesses. The fact remains that floods are not covered with homeowners, renters, commercial insurance, and insurance needed to provide protection. 

Flood insurance is sold in two parts: building and contents. You can purchase both or just one. The maximum coverage on a building is $250,000, and the contents are $100,000. Like most insurance, there are exclusions. To purchase one of these policies, you must live in one of the 23,000 communities that are part of NFIP. 

The building policy covers the structure of your home and the foundation. It also covers the major systems needed in your home’s such as electrical and plumbing. Your furnace, water heater, and central air conditioning are included. Additionally, anything that is a permanent part of your home, such as flooring, kitchen cabinets, built-in appliances, and bookcases.

Content insurance covers your furniture, washer and dryer, small kitchen appliances, electronics, and clothing. All the things that make your house a home. 

Contact Land Home Insurance Services in Concord, CA to discuss your flood insurance needs and any other insurance needs you may have. 

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