Flood Insurance in California
As the West Coast experiences more and more extreme shifts in weather, it is becoming increasingly more important for residents of Temecula, CA and neighboring areas to purchase flood insurance. Flooding is the region's most common natural disaster, yet many homeowners are not sufficiently protected.
Many homeowners believe that because their property does not border water, they aren't at risk. However, did you know that according to the National Flood Insurance Program (NFIP), 20% of all flood insurance claims are made by property owners living in places labeled as 'low risk'? Seemingly innocuous situations like a sudden downpour after a drought or sewer clog can create a likely possibility for flooding. For this reason, NFIP insists that everyone needs flood insurance. At California Friant Insurance Agency Inc., we completely agree with their assessment.
It takes just a couple inches of flood water to cause tens of thousands of dollars in structural damage. General flood insurance policies will cover all of the core parts of your home, including the foundation, appliances, electrical, and plumbing systems that keep your home operating. Most will also include carpeting or other flooring materials as well as personal belongings.
It is important that, no matter where you live in Temecula, CA, that you talk with a California Friant Insurance Agency representative about flood insurance to reimburse you for all covered loses in the event of a flood. Don't take a risk with your assets. Just because your street hasn't flooded recently, doesn't it mean it won't happen. Remember, low risk areas account for 20% of all claims and those homes in a high risk area have a 1 in 4 chance of flooding in a 30-year period.
For more information about determining the risk to your Temecula, CA home and to find the right insurance coverage for you, contact one of our representatives at Friant Insurance Agency Inc. on our website or call 949-837-8078 .