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Why Do I Need Flood Insurance?

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Many conditions can result in a flood: hurricanes, broken levees, outdated or clogged drainage systems and rapid accumulation of rainfall.

Just because you haven't experienced a flood in the past, doesn't mean you won't in the future. Flood risk isn't just based on history, it's also based on a number of factors: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development.

Consider this.

Every year floods damage more homes in the United States than any other natural disaster. It wasn't until 1997's El NiƱo torrents that most of us would have seriously considered flood insurance. Many families and individuals discovered the hard way that typical homeowners insurance does not include flood coverage. Even more dismaying, nine out of ten disasters are not officially recognized by the federal government, when a disaster area is declared, assistance is typically in the form of a loan that must be paid back with interest. The federal government recommends that everyone consider buying flood insurance, even if they do not reside in a designated flood zone. In fact, between 25 to 30 percent of all flood insurance claims are paid to people living outside high risk areas.

To find out which zone your property is located, or to receive a quote, more details, or informative literature about Flood Insurance, please contact Insurance by Allied Brokers.

Cities Served: Menlo Park, Redwood City, Atherton, San Carlos, San Bruno, San Mateo, Burlingame, Foster City, San Francisco, Brisbane, Belmont, Los Altos, Los Altos Hills, Sunnyvale, Mountain View, Cupertino, Saratoga, Half Moon Bay, San Jose, Campbell, Los Gatos, Milpitas, Santa Clara

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