Do you think that just because you don’t live in a flood zone that you don’t need flood insurance? According to a recent study, many people exposed to the risk of flood damage fail to purchase flood insurance.

“When it comes to floods and the damage they can do, people are complacent,” said Jeanne M. Salvatore, senior vice president and consumer spokesperson for the I.I.I. “There’s a greater chance of having a flood than there is of a fire, yet most people have insurance protection against fire but not flood. Homeowners, renters and businesses need to purchase both.”

Since there is no coverage for flooding in a standard homeowners, renters or commercial property insurance policy, coverage for flood is only available in a separate policy either from the National Flood Insurance Program or a few private carriers.  Ask one of our representatives today about flood insurance and why you might need a policy to cover this exposure.