Why do I need flood insurance at all?
Mother nature spares no place from her wrath. While disasters occur everywhere, some places are more prone to certain types of disasters than others. The geography of Ohio, the city of Columbus is such that it is situated in a fertile nook in the midwest, far enough from coasts and active faults to avoid most risk of hurricane damage or earthquakes, but is still within the active tornado zone while receiving large amounts of snowfall. Because of this, the most common natural disaster in Ohio are typically related to flooding.
You may not be able to prevent a flood from damaging your home, but you can prevent the overwhelming expenses this type of damage can bring. Even just a few inches of water in the basement can destroy hot-water tanks and furnaces, damage the structure of the home and lead to the formation of dangerous mold particulates in the air. If waters rise to above-ground floors, the damage can be extremely expensive. Sometimes, a flood insurance policy can be the only thing that prevents bankruptcy after a major flood. Typical homeowners insurance policies do not cover floods, but you can still get coverage by purchasing a separate flood insurance policy.
You may have questions about flood insurance or you might wonder how to purchase a policy. Contact us today for information and Columbus, Ohio area flood insurance quote.
What does flood insurance cover?
- Essential systems including electrical, water heaters, furnaces, heat pumps, central air conditioners, sump pumps, water tanks, solar energy systems, oil & propane tanks, and the fuel in the tanks.
- Appliances including ranges, refrigerators, dishwashers, window air conditioners, washing machines, and dryers, freezers and the food inside them.
- Carpeting and window treatments including permanently installed carpeting, and any other kinds of carpets, window blinds and curtains are typically covered.
- Permanently installed paneling, wallboard, bookcases, and cabinets are usually covered by flood insurance policy.
- Foundation walls, anchorage systems, and staircases attached to the building are typically covered
- A detached garage, used for limited storage or parking.
- Personal property including furniture, clothing, and electronics if they are not stored in the basement.
- Valuables such as original artwork and furs.