Insurance Line

 

Of all the natural disasters that can occur in the United States, flooding is ranked as number one as reported by FEMA.

Flood insurance Florida, Massachusetts is an essential policy to carry in order to protect your home, especially if you live in a high or medium-risk flood zone. Standard homeowners and renters insurance does not cover flood damage.

We’ve seen all too often in recent years how devastating hurricanes and tropical storms can be, even in a northern state like Massachusetts. Damage caused by snow melt and rainwater is not covered by homeowners policies, so a flood insurance policy is necessary for this crucial coverage. In addition, sea levels are rising across the world. The waters of the Atlantic Ocean, from north of Boston to Cape Hatteras, North Carolina are rising at a rate that is 3 to 4 times faster than globally, according to federal scientists.

Insurance policies for flood are written by the U.S. federal government through FEMA, but they are sold and serviced by licensed agents and companies, such as Econosurance.  Flood insurance is available for renters as well as homeowners. You will be required to get flood insurance by your mortgage company if you live in a designated flood zone. But flooding often occurs outside of designated flood zones…such as inland areas and away from major waterways and rivers. You should consider buying a flood insurance policy in Florida and Massachusetts if there is the potential that your house could be flooded by melting snow, an overflowing creek or pond or water running down a steep hill. And don’t expect to obtain a policy the day before the weather forecast so advises…..there is a 30-day waiting period before the coverage takes.

(Recent changes in Massachusetts will allow homeowners to purchase flood insurance just on the outstanding balance on their mortgage. Previously, creditors could require homeowners to buy flood insurance up to the value of the property.)  Homeowners won’t also be forced to purchase flood insurance that covers the contents of their home. Policies will also be barred from having deductibles less than 5,000 dollars.  These changes were put into effect to make Flood Insurance more affordable to all Massachusetts residents.

Currently there are more than 660,000 flood insurance policies in force in the State of Massachusetts. This figure has steadily increased over the decades as new buildings are construced and as the local population grows. It is not hard to understand why more families and business owners are purchasing flood insurance to help safeguard their homes and businesses.

Here at Econosurance,  we are flood insurance specialists and have extensive knowledge of flood insurance as well as current National Flood Insurance Program (NFIP) updates and we are happy to spend some time going over any and all of your questions & concerns.

Get a flood insurance quote at (617) 864-2444.

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