Few events are more destructive to a home than a flood. A flood can destroy your flooring, drywall, electrical system, and more. It can bring bugs and other pests into the home, creating a mess that can be costly and time-consuming.
You don’t need to live near the ocean or a river to worry about flooding. A hard rain or melting snow can be enough to cause a flood. Even a couple of inches of water is enough to damage a home seriously.
The good news is you can protect your home with flood insurance from us at J.C. Leap Agency Inc. We are here to assist New Jersey homeowners. Flood insurance provides financial protection to repair issues related to flood damage. You can use your flood insurance coverage to replace the flooring, repair drywall, and even fix your foundation to prevent future flooding.
Similar to other types of insurance, the cost of flood insurance is based on the level of risk in your home. There are a few ways insurers evaluate flood risk. They may want to know about aspects of your home, like your foundation, the slope of your yard, and even your sump pump and drainage systems.
The location of your home can also greatly affect your flood insurance costs. For example, if you live near the ocean or a river, you can expect your premiums to be higher. Many insurers use FEMA’s flood data to analyze risk. If your home is located in a FEMA-designated flood zone, insurers will likely view your home as having increased risk.
Contact us at J.C. Leap Agency Inc. in New Jersey to learn more about flood insurance options for your home. Our experienced agents can find the right policy for your needs and your budget. Flooding can cause catastrophic damage to your home. Your homeowners' policy probably doesn’t cover flood damage. Don’t expose yourself to risk. Contact us to learn more about flood insurance today.
