Central California Flood Insurance

Why Do I need Flood insurance?

We are the middle of a drought and no rain in the forecast. Why on earth would I buy Flood insurance?

First off even though we have not had much rain in the past few years. Those of us that have lived here for many years remember the Salinas River running from bank to bank. We remember seeing, not reading about it, the bank eroding chunks of land 50 to 60 feet at a time. In fact my brother in law had a very large back yard in the house he rented for about a year. In one week the back yard moved to within 50 feet of the house. No issues it stopped there but it could have been a disaster.

If you are in a flood plain you really should consider getting protection from rising waters. A simple definition of flood is rising water. Water coming in under a door from a build up of rain water. Homeowners covers falling water which would be rain of course.

Floods happen quickly, when it rains water can rise unpredictably. The bad thing about flood insurance is if you buy it today it does not take effect for 30 days. The only way to get a shorter effective date is if the insurance is required by a lender during purchase or refinance.

Floods can cause an Enormous Loss

Not only is property destroyed, and contents are a sodden mess, but the big loss is the time it takes to repair your house. It is an intense process to get the house dry enough to start repairs. Ask anyone that has had a small water loss in their home. The process involves the drying of the home and making sure that there is no mold growth.

Loss due to flooding can be very expensive. A rule of thumb is that each inch of flooding will cost the unprotected over $7,000. The last thing you need are worries on how to pay for the flood damage. It may appear that flood insurance is not a great deal, but if you are in a flood plain it is a very important coverage.

Contact Ted Hamm Insurance and receive a thorough education on how flood insurance works in Paso Robles. We can check the flood maps and determine exactly what your exposure is.We will review what it covers (appliances and items inside the home) and what it does not (decks and items outside the home).

Ted Hamm Insurance

You can not wait until after the flood to get your protection. Plus remember, every flood insurance policy carries a 30 day waiting period before it can take effect. So act now!

At Ted Hamm Insurance we have insured the residents and business of Paso Robles from unpredictable flooding since 1977. We will make sure we share all of our knowledge with you.

When you can minimize risk from flooding for such a small cost, you have to do it. You have to protect your family and your assets. Complete the Protection Savings Form today for a free quote. The insurance veterans at Ted Hamm Insurance will forever ease your fears of flooding.