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At Cliff Cottam Insurance we want to bring you information that homeowners and residents in California want and need most.   We ran across a great article from About.com that answers some of the most frequently asked questions about flood damage and your home. 

Regardless of where you live in the United States -- whether the desert, a riverless city, by a lake, on the coast, the Midwestern plains or atop a mountain -- your home is a flood risk. Everyone is at risk for flooding. Floods happen in all 50 states.

Who Needs Flood Insurance?

Since floods can happen to anybody just about anywhere, you probably should consider taking out a flood insurance policy. It's not expensive. If you live in a high-risk flood area and buy a home by taking out a loan backed by a federally insured mortgage, your lender will require that you buy flood insurance.

Where Can You Buy Flood Insurance?

 If your community participates, you can purchase flood insurance from your insurance agent through the National Flood Insurance Program. The National Flood Insurance Program is backed by the U. S. government. Note that you can also assign an existing flood insurance policy to a new buyer; it is freely transferable.

Does Homeowner Insurance Cover Flooding?

Realize that your homeowner's insurance policy does not cover flooding. You will need a separate flood insurance policy. Your premiums will be much lower if the home has never had a flood claim.

Here are three ways you can find out if a home you want to buy has had a claim for flooding:                                                            

Read more:  http://homebuying.about.com/od/buyingahome/qt/062707FloodIns.htm

If you would like to find out how much Flood Insurance would cost you, contact us at (800) 807-6871.  Or, just complete our no obligation Flood Quote form today!

Posted 2:19 PM  View Comments

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