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Home > Blog > September, National Preparedness Month
MONDAY, SEPTEMBER 9, 2019

September, National Preparedness Month

September national preparedness month
Whether it isFlood Insurance or Car Insurance, the month of September is all about being prepared for what is to come. We have officially entered hurricane season, and the eastern seaboard is seeing a lot of rain, winds and flooding. In areas such as these, Flood Insurance is extremely necessary. Even residents of states that are not directly effected by Hurricane Season, still regularly acquire Flood Insurance.
 
Flooding is unpredictable and can happen to anyone--whether living near a lake, such as Lake Erie, or living in a valley, anyone can be effected by flooding. Due to the unpredictability of an event such as flooding, it can sometimes be difficult for homeowners to know if it is needed or not. As the Federal Emergency Management Agency (FEMA) points out, flooding is the number one natural disaster in the United States. FEMA.gov also points out that home owners that do not live in high-risk flooding areas file 20% of all National Flood Insurance Program (NFIP) claims--these home owners will also receive approximately one-thirdof federal funds.
 
Be Prepared, Not Scared
Since floods are so unpredictable, Flood Insurance is not something that is attached to your Home or Renter's Insurance Policy, it has to be purchased from the Federal Government through your Insurance Agency (Lafaro Agency).
 
When protecting your home from flood damage through an insurance policy, it is important to know that there are two parts to a policy. A policy to protect the structure of your home is separate from a policy that will protect the contents of the home.
 
Due to the fact that Flood Insurance is not apart of a Home Insurance policy, on average, it is pretty inexpensive. A premium may be $470-$700 per year, which will get a home owner $200,000-$250,000 in structure coverage and approximately $80,000for your home's contents.
 
In the end, it is extremely less expensive to pay for Flood Insurance on a monthly basis, than it would be to repair your home from the damage of a possible flood.

Posted 9:55 AM

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