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Flooded Road ClosedWhen living in a flood zone, having a flood insurance policy is often a requirement. At the very least, it's strongly recommended. Knowing what this policy covers is important in making sure you have enough protection in place to replace your possessions in the event of an unwanted disaster or unforeseen circumstance resulting in significant loss. Homeowners Insurance does not cover flood damage from external sources, so without a flood insurance policy in place, you will be responsible for bearing the costs of replacing the damage.

The Basics of Flood Insurance

Flood insurance covers property and personal contents. This includes:
  • The building and foundation
  • Electrical and plumbing systems
  • Carpeting
  • Debris removal
  • Clothing, electronics and furniture
  • And more
A flood insurance policy is designed to provide relief for individuals who have experienced losses as a result of flooding or water damage that may cause temporary or permanent displacement. This type of policy is beneficial in helping manage those situations that could be financially devastating. Without a flood insurance policy in place, significant repairs and replacement costs may fall on the owner, causing unforeseen financial hardship.

Should I Get a Flood Insurance Policy?

If you live in a flood zone, it is imperative to have coverage. Even if you don't, getting a flood insurance policy can be extremely beneficial. There are a number of instances where having this insurance can make a difference. In certain circumstances, flooding can occur anywhere. And a substantial amount of flood damage claims are reported each year from areas that have not been labeled as flood risk zones. Floods can be caused by heavy rains, storm surges, river and coastal floods, sewer damage or overflowing swimming pools.

Is Flood Insurance Expensive?

The cost of flood insurance varies based on the area in which you live, the size of your home and a number of other factors. However, flood insurance premiums are often quite affordable, especially when compared to the high price tag of a flooding incident.

Getting advice from a knowledgeable agent is key. He or she will be able to assess your property, its contents and make a recommendation that protects your best interests. Be proactive! Getting the protection you need before it's needed is a good decision.

Is your family covered? Call TCU Insurance Agency at (800) 772-8043 for more information on Indiana flood insurance.
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