Every storm season, people wonder if they should have gotten flood insurance. They see the devastation others have suffered and do not wish to go through the same thing. In Bourbonnais, IL, the George Ryan Jr. Insurance Group Inc can offer you some friendly advice regarding floods and who should have flood insurance.

What is a Flood?

According to National Geographic, a flood can happen anywhere water overwhelms a naturally dry area. Although some flooding you can prepare for when you hear broadcasts of excessive rain during a thunderstorm or a hurricane, there are other times you will not be able to prepare beforehand. In certain cases, flash floods can be more dangerous than a regular flood.

Who Needs Flood Insurance?

Even though you may not live in a floodplain, you should consider purchasing flood insurance. If your community participates in the National Flood Insurance Program (NFIP), you can contact your local independent insurance representative to gain coverage. Whether you are renting or you own your own home, you can get a policy.

Why Do You Need Flood Insurance?

Floods are one of the most dangerous and destructive natural disasters. It can leave thousands of dollars worth of damages throughout your home and yard. Neither renters nor homeowners insurance typically covers flood damage.

Floods can Cause Lots of Damages

Flood damage can result in your baseboards and walls developing mold. You’d have to remove and replace the carpet or wood flooring. The electrical work may need to be rewired. Your appliances could be damaged as well and need to be repaired or replaced.

Contact the George Ryan Jr. Insurance Group Inc in Bourbonnais, IL to get information concerning flood insurance for your home.