Morehead, Kentucky

Why You Should Consider Flood Insurance September 13, 2017

Morehead, Rowan
Why You Should Consider Flood Insurance , Morehead, Kentucky

Flooding can cause catastrophic damage, and while some areas are more prone to extensive water issues, all homes are at risk. Unfortunately, many homeowners assume that standard homeowners insurance policies cover flooding-related issues, but as Brent Roark, Nationwide Insurance Agent, points out, flood insurance is actually a separate coverage area that can be added to your policy but isn't typically included at the base level. According to the Grayson, KY, agent, every homeowner should consider flood coverage regardless of their location. Below, he outlines some of the top reasons for this recommendation.

The most important reason to invest in flood coverage is financial protection. Most people think of flooding as something that only affects areas within the vicinity of a body of water such as a lake or river. However, a severe thunderstorm can bring about flash flooding anywhere, and if rising water isn't normally an issue in your location, the infrastructure—such as road drainage—probably isn't built to withstand a large amount of rainfall. Such a situation increases your risk of flood damage, and if you're not properly insured, you will bear the financial weight of repairs.

InsuranceNot all flooding occurs from the outside-in. A serious plumbing leak or a sewer backup can cause just as much damage to the interior of your home, and neither situation is location-specific. In many cases, the cost of professional cleanup, water damage restoration, and possession replacement isn't covered under a typical homeowners insurance policy, which is another reason that a flood insurance plan is so important.

Protect your home and your future by purchasing a flood insurance plan customized for your circumstances with the help of The Roark Insurance Agency. Brent Roark, Nationwide Insurance Agent and owner of the local outlet, offers a personalized approach to homeowners insurance and strives to make sure that each client's policy reflects their specific needs. From flood to liability, the Carter County agent and his team will help you find the right coverage plan for your budget. Request your free quote online or by calling (606) 474-7818.

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