Serving All of Ogallala, Nebraska with Quality Flood Insurance
Nebraska Flood Insurance
Many homeowners are surprised to learn their homeowner’s insurance policies don’t cover flooding events. That’s right: Most homeowner’s policies won’t cover flood damage. This fact puts Nebraska residents—so many of whom live on or near floodplains—in a tricky position. For such homeowners, adequate flood insurance isn’t optional; it’s a necessity.
How Does Typical Home Insurance Define ‘Flooding?’
If a pipe in your home burst and flooded your floor, would it be considered a “flooding event” and thus, not be reimbursed by your homeowner’s policy? Or would it be covered?
If you answered, “Yes, this event should be covered under my homeowner’s insurance policy” (or something similar), you’re correct. A flooded floor or other water damage to the home caused by a busted pipe (or even a malfunctioning appliance) would likely be covered by a typical homeowner’s insurance policy.
What kinds of events then, are classified as “flooding” and are thus not covered under a standard home insurance policy? Obviously, a heavy rainfall event wherein water rose into your home would be considered flooding. However, other kinds of damage classified as “flood damage” under standard home insurance and flood insurance policies aren’t quite so obvious. In other words, your house doesn’t need to flood with rainwater to sustain “flood damage.” As specified in typical homeowners and flood insurance policies, flood damage also includes:
- Rain damage
- Storm surge damage
- Mud damage
It’s a guarantee that your existing home insurance (or any home policy you’re considering for purchase) won’t cover the above events.
Writer Agency, LLC. Sells FEMA Flood Insurance
If you’re shopping for flood insurance, we’d love to hear from you! As an NFIP-Direct-affiliated agency, we can help you find and purchase an appropriate flood insurance policy. We’re glad to speak with you about flood insurance and to answer all your questions too. For a free flood insurance quote, call Writer Agency, LLC. today at (308) 284-6417! Or for a free online flood insurance quote, fill out our online quote form on our contact page!