A few inches of water in your home caused by the floods can bring in thousands of dollars losses. Unfortunately, it can be hard to predict when such a disaster could happen. The only thing you can do is stay prepared for it at any time, and the best way to do so is by purchasing flood insurance. It is the best step you can take to protect your home, family, and business in Myrtle Beach, SC and Benefit Insurance Services is here to offer you with comprehensive flood insurance policies to ensure that you are entirely protected. There are numerous reasons why you should consider purchasing this type of insurance coverage which includes;
Your standard homeowner insurance does not include flood
Even if you already have a homeowner insurance policy, you should not relax and leave it at that. The policy does not cater for flood losses, and you are therefore required to have a separate policy specifically designed for flood protection.
Flood damages are expensive
Unlike other accidents or disasters, floods can take you back to zero level where you got nothing left. All your property and investment can be carried away within a short time which can be very frustrating and it could be hard to recover this with you in-pocket funds.
You cannot depend on federal government to pay you for the damage
The federal government is only available to you if the head of state declares your area a disaster. That is the only time you can count on its compensation. Even when it is available, the payment is only a small interest, and it is, therefore, a wise investment to protect yourself with flood insurance.
Most homes are a flood zone
You may feel like your home is a low risk of the flood but statics have shown that most flood claims are made by individuals considered to be living in such areas. Do not leave out any chances of being caught off guard.
Make a point of purchasing flood coverage from Benefit Insurance Services today and get to enjoy these benefits and more. We are here to serve all Myrtle Beach, SC residents by offering the best services to leave you satisfied.
Floods are widespread and extremely costly. In Myrtle Beach, SC, the independent insurance agents at Benefits Insurance Services would like to share some important information with you to help you prepare for flooding during the hurricane season.
Heed Hurricane and Flood Warnings
A flood is an immense threat to communities. Water can rise way above sea levels and become stagnant in the streets. Even if you live in an area where flooding is not commonplace, water levels can easily reach your home during a storm. Hurricane and flood warnings are issued when the risk is imminent, so take them seriously and protect yourself.
Prep Your Home
Unplug devices, appliances, and electrical equipment. Make sure anything that must stay plugged in during the storm is placed on a surge protector. If your electricity shortens during the hurricane, your refrigerator should be safe if it is plugged into a surge protector.
Fill sandbags and place them outside as a barrier to prevent water from seeping indoors. Even a little water can damage rugs, furniture, flooring, and walls. You’ll need flood insurance to help with the damage that a flood causes after a hurricane has passed.
Move furniture, clothing, and equipment off of the floor. If at all possible, put it on the second level of your home.
Store Emergency Supplies
Keep a box of supplies in a place where you can get to them quickly. A medium-sized container or box should hold everything you’ll need during and after the storm.
- First-aid kit
- Canned food
- Bottled water
- Dry clothing
- Rain gear
Talk with your independent agents at Benefit Insurance Services in Myrtle Beach, SC before hurricane season begins. You should purchase flood insurance to protect you from the cost of repairs you’ll need if your home or property becomes damaged.
Contrary to popular belief, flood insurance is not something that should just be for homes in flood areas. There are several reasons why you may want to consider flood insurance. If you have not considered it before, continue reading to see why it may be something you want to purchase for your home.
- Flood insurance is not likely included in your homeowners insurance policy. Many people think that flood coverage is included in their existing policy but it is one thing that homeowners insurance does not cover in the majority of cases. If you want it, you usually have to purchase it in addition to your current policy. Take a look at your policy to see if it is included.
- Floods can happen anywhere. In fact, twenty percent of all flood cases happen in low to moderate flood areas. They can even happen without it raining. You could have a flood because of a pipe burst in your home or near your home. You could even have a flood in your home from an above ground pool that gives way near your home. There are many different possibilities.
- New construction areas are more prone to flooding. That is because there is not enough grassy areas that can absorb the rain during a storm. There is more standing water and it can cause damage to your home if it gets inside. If you live in a new construction area with roads and sidewalks, it may be a good idea to consider flood insurance as a way to protect your home.
If you would like to get a flood insurance policy or take a look at your current policy, feel free to contact us at Benefit Insurance Services. We will be happy to explore options with you.