Taragowski Insurance Agency - Clinton, CT a Full

Rising Waters Require Special Coverage

National Flood Insurance Program
A flood can be one of the worst disasters that can devastate your neighborhood. It's such a big deal that the Federal Government runs a National Flood Insurance Program (NFIP). That's why Home and Property Insurance typically doesn't cover flooding. The government draws a Flood Hazard Boundary Map that divides the country into flood zone risk areas, and their Flood Insurance Rate Map sets the coverage and premiums for those areas. You can enter your address at www.floodsmart.gov to find out your risk.

Why You Need Flood Insurance

	Description
Floods and flash floods can occur anytime, anywhere	Floods happen in all 50 states: on coasts, on mountains, along rivers, in the desert, in towns and cities of every size. In recent years, roughly 25% of all flood insurance claims came from areas not considered high risk.
You can't rely on Federal Disaster Assistance alone	Many people don't qualify for grants, making the most common form of assistance a disaster home loan. These loans must be repaid: principal plus interest.
Flood insurance may be more affordable than you think.	Contact me to learn more about the Flood Insurance coverage that may be available in your community.

When buying your home policy, I can tell you if your community is a participant in the National Flood Insurance Program, and if so, help you obtain flood insurance.

Protection Against Non-Flood-Related Water Damage
If you are worried that your finished basement will be under a foot of ground water if your sump pump fails, you'll need to consider additional water backup insurance - neither the NFIP nor your base homeowners policy will typically cover water that backs up through sewers or drains or overflows from a sump pump.

However, if your home has water damage due to a broken pipe, most basic homeowners policies will pay to repair the damage (but will not pay for the repair of the pipe). To be sure you have the right coverage, discuss all of your specific concerns about water damage with me - not just "flooding".

Please see the disclaimers below.

The availability, qualifications and amounts of these coverages and discounts may vary from state to state. In addition, other terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer coverages and discounts that are not listed here. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your agent.

Excess Flood Insurance coverage may currently be available but only in the following states: Alabama, Alaska, Arizona, California, Colorado, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Louisiana, Maine, Maryland, Michigan, Mississippi, Nevada, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia, Washington. In order to qualify for an Excess Flood Insurance Policy, you first need to purchase a National Flood Insurance Policy through Allstate. Excess Flood Insurance is provided by one or more insurance carriers not owned by or affiliated with Allstate Insurance Company. Excess Flood Insurance is subject to availability and qualifications. Other terms, conditions and exclusions may apply. Contact me to find out whether Flood Insurance coverages are available in your area.