Month: November 2022

Statistics say that flash flooding causes over 200 deaths per year in the United States, making flash flooding the leading cause of weather-related deaths. This also means that flash flooding causes a lot of damage to people’s homes. If you are a homeowner, you might wonder whether flood insurance is the right decision for you. Kerndt Brothers Insurance Agency in Lansing, IA is here to provide you with a guide. 

Flood Insurance: What You Need To Know

Some people might think that flood damage is covered by homeowner’s insurance, but homeowners must get separate insurance to cover the damage caused by flooding. The cost of flood insurance depends on the following factors. The first factor is flood risk. This means the risk of flooding in the area where you live, and whether there are precautions put in place to reduce the risks. The next factor is how much coverage you want to get with your policy. The other factor is what policy you have and who you are getting your policy through.

In the United States, flooding is considered the number one natural disaster.

Various conditions can cause flooding:

• Spring thaws

• Heavy rains

• Hurricanes

Even if you do not live in a flood zone or a high-risk area, you could still be a victim of flood damage. Floods can also happen in areas that are not prone to flooding. Even minor floods can cause a lot of damage. If you live in an area that is at high risk of flooding, your lender might require you to get flood insurance on top of your homeowner’s insurance.

Unfortunately, flood insurance only covers floods that occur from natural disasters. This means that if you have flooding that happens from a broken pipe, your policy would not cover the cost of the damage.

Contact Us Today

If you are looking for flood insurance, look no further than Kerndt Brothers Insurance Agency in Lansing, IA.