Although homeowners insurance covers most calamities brought on by Mother Nature, flood protection is not typically included. Flood insurance policies not only cover damages and repairs from a flood, but also costs of preparing for the flood with sandbags, etc. and the removal of debris and cleanup post-storm.
It is important to note that if your is located on a 100-year flood plain, federal flood insurance is required just to get a mortgage on the property. See the Federal Emergency Management Agency’s (FEMA) maps and Floodsmart for more information. If you do not live in a 100 year floodplain or do not have a mortgage, flood insurance is not required, albeit still a good idea in many cases.
Feel secure with Insurance Brokers of Maryland. We will find your most cost effective and appropriate homeowners policy to meet your need and budget.
Call Insurance Brokers of Maryland today! (301) 790-0652, conveniently located in Hagerstown MD.