Flood insurance? Why are we talking about flood insurance when we just received another dousing of snow today? Well hear us out, trust me. The chief reason behind discussing Hartford flood insurance now, when the snow is still on the ground, and not in the spring/summer time when floods might actually happen, is because, just like everything else here at Paradiso Insurance, we want our clients to be prepared before something happens, and not having to ask the question, “how could this have happened” instead.
Now I’ll be honest, flood insurance probably isn’t a policy most homeowners think about, especially this time of year, but let me tell you why this is exactly the time you should be thinking about it. All of the snow around us and up in northern New England is bound to start melting, and that means the rivers around here in Connecticut are going to experience increased water levels and threats of flooding. Now you’re probably saying, ‘yea, but that happens in the spring time,’ and you’re right. But what you may not know is that standard Hartford flood insurance policies can take almost a full month to kick-in.
So what’s that mean? Well if you neglect to have flood insurance, and your home becomes flooded this spring, then the damage will not be covered by your homeowners insurance policy. Or say you wait until the calendar flips to spring and then decide the time is right to get a flood policy… remember that 30 day cushion? Yup, even though you got the ball rolling doesn’t mean that you could experience flooding prior to your policy kicking in.
Need more convincing? Consider this: Floods are the number one natural disaster in the U.S., and flooding isn’t covered by home, condo or renter’s insurance. ‘Nuff Said