Summer is a great time to be outside and enjoy the warm weather and longer days, it is also a time of significant storms in the greater Catonsville, MD area. If you are a homeowner in the area, now is a good time to meet with the pro team at HBW Insurance Group and find out more about flood insurance. Make sure that you have the supplemental policies that are required in your area. If you live in a flood plain, or near one, you’ll want to know that you’re protected.
What you need to know about flood insurance
Many homeowners think that their primary policy will protect them from all types of damage. Unfortunately, this is rarely the case. If your home is damaged by water, your coverage will be determined by the cause of the water. Whether it be a burst pipe, excessive rain, or floodwaters. There are different policies that cover different events, and supplemental flood insurance is usually necessary as this type of damage is not covered by a primary homeowner’s policy.
Before you find out that you don’t have the coverage you need, why not sit down with a knowledgeable local agent who can help guide you through the decision-making process? No one wants to find out after the fact that their coverage is inadequate! For residents in historically flooded areas, your lender will likely advise you on the level of insurance that they require, but even if it is not required flood insurance is a smart idea.
Don’t wait until you have flood or water damage to find out you don’t have the coverage you need! Meet with the HBW Insurance Group today and find out how we can help you protect your Catonsville, MD area home.