Flash floods or spring runoff from area streams and rivers can cause fast and profound water damage and devastation to many neighborhoods in the Flathead Valley and Northwest Montana region. When flooding disasters strike, it’s horribly difficult to deal with their aftermath. Emergency response is slow, and community resources are stretched to the breaking point. FloodCo has earned a reputation as Northwest Montana's most trusted resource to clean up and repair damage resulting from flooding, wind storms, structural fires, and other causes of property damage to homes and businesses.

In the event of a flooding disaster, having a separate flood insurance policy offers serious financial protection for you and your family. Here are some of the reasons you should consider purchasing flood insurance for your property.

• Flood Insurance Provides Coverage Specifically for a Flood-Related Loss: A few inches of water can cause tens of thousands of dollars in water damage to the structure and contents of a home or business. You can’t ever predict or prevent a natural disaster like flooding, but you can protect your assets with a flood insurance policy backed by FEMA and the U.S. government.  
• Your Homeowners Insurance Policy Will Not Help: Your homeowners or renters insurance policy will not cover small or large floods that originate outside of the home, such as from rivers, streams, ponds, and lakes overflowing. (Water damage that originates inside a home from broken or burst plumbing or appliances will generally be covered by most homeowner's insurance policies if reported promptly.)

• Flood Insurance Is Required in High-Risk Areas: If you live in a high-risk area or Special Flood Hazard Area (SFHA), your mortgage lender will probably require you to have a separate flood insurance policy. Talk to your local insurance agent about this type of insurance policy.
• Federal Disaster Assistance Is Typically a Loan: If a flood should occur in your area, you may be eligible to receive federal disaster assistance. Keep in mind, however, this type of help is typically a loan, which must be paid back with interest over time. Taking advantage of FEMA loans could cost you hundreds of dollars per month for decades. When you compare these costs to flood insurance premiums, you could end up paying far more with a FEMA loan.

In the event of a property disaster, the experts at FloodCo will be there to help you every step of the way. They will assist your adjuster with the repair and documentation of your claim. They will arrive on the scene quickly and will help you when your situation is most dire. To learn more about the risks of not having flood insurance and the expenses of emergency care and rebuilding after a flood, call your local disaster restoration specialist at (406) 892-1717. Visit their website to find out why FloodCo is a Preferred Service Provider for nearly all the major property insurance companies writing in Montana.