Thursday, September 1, 2016

Blais Insurance Offers Premium Flood Insurance Coverage

By: Edward L. Blais, JD, CIC

With the recent thunderstorms we’ve experienced over the past few weeks, you may have noticed some minor street flooding.  As we all anxiously await the arrival of fall, Blais Insurance would like to make certain policyholders are aware that severe storm conditions could lead to home flooding. Excessive rain has to go somewhere, and poor drainage could force that water to seep into your home.

Homeowners’ insurance policies cover property damage that results from a sudden discharge of water from a home plumbing system or appliance. An example of this would be if a pipe burst in your home. However, many people find out at the time of a loss that water damage resulting from ground water seeping into a basement is never covered under this policy. As a result, prevention becomes a proper focus where seepage is concerned. Moreover, damage from flooding is only covered under a separate flood insurance policy when a qualified flood event occurs. With the possibility of more rainstorms still ahead of us, homeowners in high-risk flood areas are no longer the only ones who require flood insurance.

Blais Insurance offers premium flood insurance coverage at affordable rates through the National Flood Insurance Program. As a reminder, there is typically a 30-day waiting period from when the coverage is purchased to when it goes into effect. At Blais Insurance, our business is protecting what matters to you, and our experience will help you make certain that you are fully protected. As a local, independent agency, we can personally visit your home or business to assess need and we can help you understand local laws.

If you require any additional information, please feel free to call our office at 401.725.0070.