When it comes to flood insurance, most people think they're not at risk, to begin with. But in reality, that's a dangerous game to play. Most home insurance policies do not cover flood damage because they can be so extensive. After all, a flood can ruin both the house itself and all of your possessions inside. But the truth is that most homeowners in Kansas have at least some risk of flooding. Here's what you need to know about flood insurance and why you need it:
The Real Flood Risk
Proximity to various creeks in you area can lead to devastating flooding after rainstorms. In the region, it usually doesn't take much to overflow the local water supplies. Many homeowners are relatively unique in the fact that they are at risk for not just river flooding and flash flooding due to rains, but also snowmelt floods, dam breaks and levee floods, and even wildfire burn scar flooding. And if tornadoes are involved, the flood risk can be even greater.
At Fortress Insurance Agency, we've seen it all. That's why we want to help every Kansas homeowner get the flood insurance they need.
What Does Flood Insurance Do?
Again, your home insurance policy most likely does not cover flooding, so that's where flood insurance, in particular, comes in. This form of coverage helps keep you, your home, and all your possessions in it covered if they are damaged in a flood. An acceptable flood insurance policy can often be the only thing between you and total ruin. Insurance helps not just to compensate you for your losses but give you the means to start over again.
The Bottom Line
Nobody likes to think that they'll lose their home in a sudden flood. However, the future is unpredictable. Contact the experts at Fortress Insurance Agency today to learn about your risk and how you can protect against loss.
While our office is located in Kansas, we serve clients in multiple states, including Nebraska, Missouri, and Iowa