Flood insurance is usually the last thing on homeowners minds, especially if they are not in an area that is known for flooding. However, this is something that you should consider as a homeowner for several key reasons. Flood insurance is a great way to add extra protection to your investment. Continue reading for some of the main reasons why you should consider flood insurance for your home no matter where you live.

• The majority of homeowners insurance policies do not include flood insurance. In fact, it is really difficult to find a homeowners insurance policy that does cover flooding and any flood damage. If you think you are covered by your homeowners insurance in this area, think again. It is most likely something that you need to purchase separately.
• Of the floods that do occur in homes, twenty percent of them are in areas that are at low to moderate risk for flooding. This is a large percentage of floods that happen in areas that you would not expect. Just because you do not live in an area with a lot of flooding does not mean it can happen to you. 
• Floods can occur from a variety of causes. Floods do not just happen because of rain. A pipe could burst in your home causing an internal flood. You may even have a neighbor with an above ground pool and if it gives way, then you may have some flood damage that you have to deal with. There are many different ways a flood could happen in or near your home. 

Contact us today at Runnels Insurance for more information about flood insurance. We can help you find the right policy for your home or even take a look at your current policy for any gaps in coverage. 

Insurance is one of those things that people take for granted until they need it. So many Americans find themselves frustrated after a disaster, because they have to do all the work themselves. Insurance is a very complicated field, and an independent insurance agent understands the subtle nuances of the business. These professionals are especially important after a natural disaster, because the victim of the disaster is already swamped by other responsibilities. 

After a Disaster: Why Independent Insurance Agents Matter 

Whether it’s a fire, a flood or a storm that causes the damage, it’s difficult to adjust after a disaster.  It usually requires a team of professionals to repair the damage, because each contractor has a field of specialty. Dealing with all the contractors and the insurance agency is full-time work, but an independent agent can bridge the gap between the insurer and the policy holder. Trying to understand insurance laws is something best left to a professional, because agents are well-educated to the laws of their state.  These individuals can make sure you have the funds to delegate to each contractor.

Insurance is an area of the law, and there are very specific requirements for filing claims, even when the damage is caused by nature. The agent can also help you understand which items are covered and which items are not. It can be frustrating to deal directly with the insurer, but an independent agent has the skills and training to expedite the process. The agent is already aware of any paperwork or forms that the insurer will want to see. Just having this paperwork ready in a timely manor can save days and this isn’t the only service that the agent provides. Brandon, Florida residents have to worry about hurricanes, flooding and thunderstorms, but Runnels Insurance makes sure they don’t have to worry about their policies.