Flood Insurance is not included in your policy in most cases. You need to verbally ask and be offered flood insurance by the Insurance company and go from there. Insuring your home is not only advisable but extremely important. It can be a financial catastrophe if a natural disaster occurs and you are unprepared to face the consequences. If you are in an area where flooding is likable, make sure you have flood insurance to make sure your home is protected.
Structural home problems start with a leaky basement that is not taken care of and is left unattended. Cracks on the wall and bowed walls are serious problems that can play havoc with the structure of your home.
Mold and mildew are dangerous pollutants in your home. Clean air becomes a luxury if you have a wet basement. Water seeping into the basement of your home jeopardizes the stability of the foundation, making your home less valuable in the long run.
Basements have served many families as storage facilities for many years, but leaky basements can damage and ruin your belongings. With flood insurance you can protect your personal belongings and replace them in case of a flooding. Make sure you talk to your insurance agent and understand the type of insurance you need and for the quantity you need to insure your home and your belongings.
There is a minimum amount you need to insure your home, but it does not include your personal property. Ask questions before you agree to sign anything. Make sure you have enough insurance to be properly covered.
Nobody can protect themselves from natural disasters, but it does pay to be protected in case the need arises. Don’t procrastinate and leave something as important as your home for another day. If you have a basement or foundation problem, call today to make sure your home and your family are safe.
