When most people think of a flood, they might think of events like Hurricane Katrina, or Hurricane Sandy. These were huge devastating storms that caused billions of dollars in damage.
In reality, most floods are caused by far less catastrophic situations. In fact, it only takes a few inches of standing water to cause tens of thousands of dollars.
If you're looking for flood insurance in Troy we've got you covered. Did you know that every single house in the entire country is in a FEMA flood zone? It's just that some flood zones are worse than others.
In most situations, you will have a 30 day waiting period when you buy flood insurance, so don't wait until it's too late!
Do You Need Flood Insurance in Michigan?
In short, yes, absolutely, 100%. Having flood insurance is imperative to make sure that your house is fully covered; we don't expect you to take our word for it, though; here are the top 3 reasons to purchase a flood insurance policy:
- In the United States, flooding is the most common natural disaster
- Most homeowners' policies do not cover damage caused by flooding
- Federal Disaster Assistance is minimal
Homeowners Insurance Does Not Cover Flood Damage
Regardless of whether you live in Troy or any other part of Michigan, flood insurance has to be purchased as a separate, stand-alone policy.
It is not covered by homeowners insurance.
Flood insurance policies also reimburse you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.
If you live in certain flood zones, your mortgage company may require that you purchase a flood insurance policy.
If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.
Flood Insurance for all Michigan Cities
We can provide you with a price comparison for any Michigan city, including, but not limited to:
- Sterling Heights
- Clinton Township
- Bloomfield Hills
- Auburn Hills
- Rochester Hills
Flood Insurance Quotes