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Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.
The Federal Emergency Management Agency’s (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.
For better or for worse, mother nature doesn’t play favorites.
Over time, certain areas are more likely to flood than others, but flood damage can happen to anyone. Get a quote for flood insurance today or call us at 301-841-6264 and lets explore your options.