Why Everyone Needs Flood Insurance: Protect Your Home and Business Today
Brenda Heulitt
When we think of floods, we often imagine rivers overflowing or storm surges, but did you know flooding can occur from other, less obvious sources? Water can rise from unexpected places like overflowing pools, malfunctioning fire hydrants, or even sudden runoff from construction. Mudflow and runoff from any source can cause water to surge in directions you wouldn’t expect. And construction? It can push water into new areas, creating flood risks where there were none before. If you're in a "low-risk" area, you're not safe either—40% of all flood claims come from low-risk zones.
At Brenda Heulitt Agency, we want to dispel the myth that flood insurance is only for high-risk areas. Here’s the truth: everyone is in a flood zone
, and no matter where you live or work, flood insurance can be the lifeline you need.
Floods Are More Common Than You Think
Flooding isn't just about rising rivers. It can happen after heavy rainfall, rapid snowmelt, or even if your neighbor’s pool suddenly overflows into your yard. One startling scenario? If someone’s boat ends up in your home or business after a flood, your flood insurance policy is what will pay to remove it! And that’s just the start of the coverage flood insurance provides.
Homeowner’s Insurance Won’t Cover Floods
A common misconception is that a homeowner’s policy includes flood coverage. It doesn’t. This means that without a flood policy, you’re left to foot the bill for any flood-related damages, which can be devastating. Whether it’s your business or home, water damage from a flood can result in thousands of dollars in repairs. Don’t take that risk—be prepared before disaster strikes.
The Hidden Costs of Flooding
Even in areas considered low-risk, flooding can occur. In fact, low-risk areas account for a shocking 40% of all flood insurance claims. Construction in your neighborhood, changes in weather patterns, or even clogged drainage systems can drastically alter water flow, turning a typically dry area into a flood zone.
At Brenda Heulitt Agency, we’re dedicated to making sure you understand the risks and are fully protected with flood insurance. Don’t wait until you see water rising—by then, it’s too late. Be proactive and ensure you’re covered today.
Ready to Take Action?
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