Most people think of floods as a result of hurricanes, tropical storms and rising coastal waters. But there are many other ways dangerous and costly flooding can occur.
Flooding can be a result of natural and unnatural causes
Flooding can result from many sources: rain, melting snow, even a new development underway near your property. All it takes is a small amount of water to cause a large amount of damage to a home or other property.
According to floodsmart.gov, an inch of water can cause as much as $21,000 worth of damage to a 2,000 square-foot property. In fact, in high-risk areas, the chance of a property flooding is twice that of having a fire. And if the property isn’t covered by flood insurance, the owner is responsible for the entire cost of the damage.
Does your insurance policy cover you for flood damage?
It’s important to review your insurance policy to see if you’re covered. If not, you can purchase flood insurance from The Hartford through the National Flood Insurance Program. One of the largest flood insurance providers in the country, The Hartford offers coverage for homes and commercial properties.
Comprehensive flood coverage through The Hartford
With our flood policy, you can protect against damage to any building, its contents or both. Combined coverage protects against damage to:
- Structural elements, such as walls, floors, equipment and fixtures
- Contents, such as furniture, appliances, wall and floor coverings
- Personal items, such as clothing, audio equipment and televisions
Don’t wait until water is at your door. If you haven’t done so already, consider a flood insurance policy from The Hartford to protect your valuables and property.
Contact your Hartford agent at email@example.com for a flood insurance quote today.
All policies are written subject to the National Flood Insurance Program. All information and representations herein are as of May 2013.