In the Connecticut River Valley, seasonal flooding visits us every April, without fail. Snow melt carried down the Connecticut River every spring plus runoff from heavy rains leads to flooding. Spring flooding can happen anywhere, though, and if you own property is prone to floods, you ought to have flood insurance. 2018 has been a wet year in Connecticut. Has your basement remained dry this autumn? Whether you are in a high risk zone or not, you may want to consider a flood insurance policy. Most homeowners’ insurance doesn’t cover flood damage. According to FEMA, if you live in an area with low or moderate flood risk, you are 5 times more likely to experience flood than a fire in your home over the next 30 years. For many, a National Flood Insurance Program’s flood insurance policy could cost less than $400 per year. Call the Insurance Store of CT today and protect what you’ve built.
Anywhere it rains, it can flood. Many conditions can jeopardize your home and the home contents of your home. Statistically, 25 percent of flood insurance claims come from low-risk areas. Even unexpected issues such as snow melt, flash flooding or a backed up drainage system can create dangerous overflow conditions during a rapid accumulation of rainfall. Flood risks aren’t based on history alone. To help determine your risk factor flood hazard maps have been created to display the potential for your community flooding. Traditionally the lower the flood risk, the lower the flood insurance premium. If you live in a house or apartment that you rent, your possessions may be at risk if a water heater fails, pipes burst, a sewer line clogs, or the tenant’s bathtub overflows above you. To find out more information about your home’s flood risk factor or to obtain flood insurance call The Insurance Store of CT. We serve Manchester, Vernon, Tolland, Glastonbury and all other surrounding CT towns. 860-645-1960.