According to FEMA flooding is the most common natural disaster in the United States, affecting every state. Although in many cases the causes of flooding are dramatic, including storms, tidal surge, dams or levees breaking, it is important to remember that floods can happen anytime, anywhere—to anyone. An extended rainy period, snowmelt or backed-up storm drain could bring inches of water into your home and cause thousands of dollars in damage to walls, floors and furniture.

Flooding can be a calamitous event, both emotionally and financially. No home is completely safe from potential water damage and just because you haven’t experienced a flood doesn’t mean you never will. Without flood insurance, most home and business owners must pay out of pocket or take out loans to repair and replace damaged items. Flood insurance can be the difference between recovering and being financially devastated.

FACT: Homeowners and renters insurance does not typically cover flood damage.
FACT: More than 20% of flood claims come from properties outside high-risk flood zones.
FACT: Flood insurance can pay regardless of whether or not there is a Presidential Disaster Declaration.

Just one inch of water in a home can cost more than $25,000 in damage—why risk it?

What is Covered?

Although policies and deductibles vary, typical coverage includes:

• Damages to your heating and cooling system
• Repair or replacement of flooring
• Furniture, clothing and other belongings
• Certain cleanup expenses

What is the Cost?

The cost of flood insurance depends on a number of factors including:

• Location / Flood Risk Zone
• Year of building construction
• Type of property: primary residence, non-residential, second home, etc.
• Building occupancy
• Number of floors
• Location of its contents
• Amount and value of contents
• Location of the lowest floor in relation to the Base Flood Elevation on the flood map
• Deductible and amount of building and contents coverage

Although the National Flood Insurance Program (NFIP) rates do not differ from company to company, at Dwyer Insurance we have numerous options from which we will select a policy perfectly tailored to suit your property and budget. Our clients typically enjoy significant savings with our customized flood insurance coverage plans vs. standard NFIP rates.

Additional Benefits

• Shorter waiting periods
• No elevation certificate requirement
• Higher coverage levels for both buildings and contents
• No surcharge for secondary residences or rental homes
• Available to multi-family dwellings and commercial buildings

Don’t Wait…

Remember, Noah famously built the Ark during a drought!

Let us customize a policy for your property to insure against whatever the weather brings.

Call us at 401-846-9629 to schedule an appointment today.

Some Content: Floodsmart.gov