Living in Uniontown, OH, can be wonderful, but it also comes with risks, such as flooding. Whether it’s in your front yard, backyard, or making its way into your home, floods can cause significant damage. Unfortunately, the average home insurance policy doesn’t cover floods, leaving you vulnerable to costly repairs and replacements.
You shouldn’t have to bear the financial burden of replacing furniture and making home repairs because your insurance denied a claim. That’s why flood insurance is essential, and our agents at Bonvenuto Financial Group LLC are here to help.
Why Flood Insurance Is Important
Home insurance covers many scenarios, but floods are considered unique and are excluded from standard policies. Floods can cause extensive damage, and insurance companies view them as too expensive to include in regular coverage.
Flood insurance is sold separately, and whether you’re required to have it depends on your location. If you’re in a flood zone, your mortgage company will likely mandate flood insurance. Even if you’re not in a flood zone, it’s a smart investment to protect your home from unexpected flooding caused by severe storms.
Determining Your Flood Risk
FEMA identifies flood zones annually. If you can see a body of water from your home, you’re likely in a flood zone. In such cases, flood insurance is not only recommended but often required.
However, even if you’re not near a body of water, flooding can still occur during heavy storms. This makes flood insurance a wise choice for homeowners who want to be prepared for the unexpected.
Talk with an Agent Today
Don’t wait to find out if you need flood insurance. The truth is, floods can happen anywhere—even outside FEMA-rated flood zones. It’s better to err on the side of caution and ensure you have the coverage you need in Uniontown, OH.
Contact us at Bonvenuto Financial Group LLC today to learn more about flood insurance options. We’ll provide you with quotes and the information you need to make an informed decision.
