As indicated by the U.S. Federal Emergency Management Agency (FEMA), a staggering 90% of nationwide natural disasters involve flooding, underscoring the risk even in non-flood-prone regions where flash floods can arise from heavy rainfall in low-lying areas or altered drainage due to nearby construction or real estate development.

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Yet, despite these hazards, standard homeowner's insurance policies do not encompass flood damage, leaving homeowners exposed to the possibility of substantial expenses exceeding $30,000 for post-flood cleanup and rebuilding.

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For homeowners throughout North America, securing flood insurance is of utmost importance to mitigate financial losses and ensure adequate coverage in the event of a flood occurrence.

 

Flood insurance offers protection against:

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• Water damage losses

• Excess flood coverage

• Coverage for backup of sewers and drains