Flood Insurance

Do You Need Flood Insurance in Michigan?

When most people think of a flood, they might think of events like Hurricane Katrina or Sandy. These were massive, headline-making storms that caused billions of dollars in damage. But, in reality, most floods are caused by far less catastrophic situations. It only takes a few inches of standing water to cause tens of thousands of dollars in damage.

Mason-McBride’s flood insurance has you covered. Did you know that every single house in the entire country is in a FEMA flood zone? There are just some flood zones that are worse than others. In most situations, you will have a thirty-day waiting period when you buy flood insurance, so don’t wait until it is too late!

Do You Need Flood Insurance in Michigan?

In short, yes, absolutely, 100%. Having flood insurance in Michigan is imperative to make sure that your house is fully covered, and with spring on the way, there is plenty of rain in the forecast. We don’t expect you to take our word for it though, here are the top 4 reasons to purchase a flood insurance policy:

Flood Damage is not Covered by Homeowners Insurance

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 you and other family members did to sandbag your homes, move furniture, and remove debris. In addition, if you live in certain flood zones, your mortgage company may require that you purchase a Flood insurance policy. However, flood insurance is optional if you live outside a high-risk zone or no longer have a mortgage.

Key Questions Before Buying Flood Insurance

Working with an Independent Agent means we’re always looking out for your best interests. We have the knowledge and expertise to get you the best policy that fits your needs. Listed below are some great flood insurance questions you should ask:

  • What flood zone do I live in?
  • What’s precisely covered in my flood insurance policy?
  • What should I do if I have to make a claim?
  • How can I pay for my policy?
  • Are there any additional expenses?
  • How long does it take for my Flood insurance to go into effect? (30 days, so that you know.)

How to Get Started on Your Flood Insurance Proposal

Whether you need Flood Insurance, Auto Insurance, Life Insurance, Homeowners Insurance, or a combination of coverages, our team of specialists can find a coverage plan that offers complete protection from the unexpected. So if you’re interested, start a quote online, or give our office a call. The team at Mason McBride is happy to assist.

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