Summary
Don't let summer floods catch you off guard! Learn why flood insurance is crucial during the warmer months and protect your home from unexpected water damage.
Summer means sunshine, outdoor activities, and a more relaxed way of living. But while we’re enjoying the warm weather, it’s crucial not to overlook a less pleasant, but very real, summer threat: flooding.
Many people mistakenly believe that flood risk is primarily a concern during spring or hurricane season. However, summer’s unique weather patterns, including severe thunderstorms, tropical depressions, and even localized heavy downpours, can quickly turn a beautiful day into a disastrous one. Even properties outside of designated flood zones can experience significant damage from flash floods.
While your standard homeowner’s policy provides excellent protection for a wide range of perils, it’s essential to note that flood damage is typically not covered by a typical homeowner’s policy. This is a common misconception that can leave homeowners vulnerable to immense financial loss.
So, why is flood insurance particularly vital during the summer months?
Intense Summer Storms
Summer often brings powerful thunderstorms that can dump inches of rain in a short period, overwhelming drainage systems and causing rapid flooding.
Tropical Storms
Even if we’re not directly in the path of a hurricane, the remnants of tropical storms can travel inland, bringing significant rainfall and the potential for widespread flooding.
Localized Downpours
A seemingly isolated, heavy rain event can cause localized flooding that impacts your property, regardless of your proximity to a large body of water.
The financial implications of flood damage can be devastating. Repairs to foundations, electrical systems, HVAC units, and the replacement of personal belongings can quickly add up to tens of thousands of dollars, if not more. Without flood insurance, these costs fall squarely on your shoulders.
Protect your summer, protect your home, and protect your financial future.
All flood insurance policies are governed by the National Flood Insurance Program (NFIP), which sets the rates for these policies. Making sure you are covered is a proactive step that provides invaluable peace of mind. There is typically a 30-day waiting period for flood insurance to take effect, so don’t wait until the storm clouds gather.
Contact a GTM Insurance agent today to discuss your flood insurance options. We’re here to help you understand your risks and ensure you have the comprehensive coverage you need to weather any storm. Call us today at 518-373-4111 or request a complimentary consultation.
