While fire may be a more common concern among homeowners, your home could in fact be as much as ten times more likely to be damaged by water than by fire.* Significant sources of water damage to your property can come from flooding, including flooding from heavy rains, flash floods, dam and levee failures, tidal storm surges, mudflows and snow melt. In addition, new construction of buildings, roads or bridges can alter the flow of water, increasing the potential for flooding. Living in a high-risk flood zone can increase the likelihood of experiencing a flood, but being outside a high-risk zone does not mean flooding is not possible.
Protecting Your Property Before, During and After a Flood
There are a number of things you can do to help minimize or prevent water damage to your property. Follow these tips to help prepare and recover from potentially costly flood damage. NOTE: Flood insurance is typically purchased separately from homeowners insurance. To learn more about flood insurance, speak with your insurance agent.