Flood Insurance Variables To Consider

AS Insurance Agency is an independent agency. We work with multiple carriers across the East Coast. We are committed to helping Manchester, NH residents find the coverage they need to protect their assets. We offer a wide variety of policies to match the unique needs of our clients. We are confident that we can help you find the coverage you need to navigate life’s risks.

Flood Insurance Variables To Consider

Flood insurance is something that may not be on your radar, but it definitely an asset to consider. As inclement weather moves through the Manchester, NH area, the likelihood of severe floods increases. Severe flooding has the ability to damage the structure of your property and your personal items. Consider the benefits of flood insurance.  Flood insurance covers your property if it is damaged by a flood. The policy is an asset even if you don’t stay in a flood zone.

Remember that flood insurance only covers damage caused by severe weather moving into the area. The flooding should impact other areas as well in your neighborhood as well. If your property is damaged due to a drainage backup, you are not covered through flood insurance. You can add extra coverage to protect your assets. You should be aware, though, that flood insurance does not cover any damage to your swimming pool or patio. You can amend your auto insurance policy to cover you if your vehicle suffers flood damage. If the flooding is severe, you can add alternative living coverage, which allows you to stay somewhere else temporarily until your home is repaired.

AS Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about flood insurance.

Does Flood Insurance Typically Covered Damage from a Mudslide?

Flood Insurance and Mudslides

Mud and landslides affect many people and cause billions of dollars in damage. While these disasters are not as common as floods, the devastation they cause to homes and property can be equally damaging. Some types of mudslides may be covered by standard flood insurance depending on factors. However, many instances of this event are not covered by typical flood insurance and additional policies may be needed for full coverage. Cases where the mud and river water mix and how the slide enters your home have an impact on coverage. Many incidents are considered "earth movement" and will not be covered.

The professional agents at AS Insurance Agency of Manchester, NH have years of experience helping individuals get the best quality flood insurance possible. We can help you understand the ins and outs of your policy so you can get the most from it.

Staying Protected During a Disaster

Special types of insurance, including landslide insurance, must be purchased to stay protected during a disaster. Other ways to protect your home include designing a landscape to help mitigate mudslides. Certain cases, such as being near a recent forest fire that loosens soil potentially causing a landslide, might be covered. It is important to understand different insurance coverage and how it affects your home and possessions during disasters. A skilled insurance agent will be able to help you understand the details of your policy.

Expert Insurance in Manchester

Give us a call at AS Insurance Agency of Manchester, NH to speak with one of our friendly agents. We will be happy to give you a quote for high-quality flood insurance or any of your other insurance needs. Contact us today to schedule an appointment.

Dangers of Going Without Flood Insurance

Particularly if you live within a flood zone near Manchester, NH, going without flood insurance is a risk you don’t want to take. Even if you don’t live in a high-risk flood area, your home is not immune to floods, and foregoing this important insurance is ill-advised. 

What Happens if Your Home Floods

Floods are expensive and a major headache to clean up. If you have flood insurance, that will help cover the damages. 

If, however, you don’t have flood insurance, you’re on your own. After a flood, the cost to clean up can be tens of thousands of dollars, which you’ll have to pay out of pocket. Regular homeowner’s insurance does not cover floods. Without flood insurance, you’ll be tasked with paying for the following out of pocket: 

  • Draining water
  • Testing and treating for mold and mildew
  • Thoroughly cleaning the area.
  • Removing and replacing any damaged areas
  • Replacing damaged areas, which may include floors, ceilings, studs, drywall, carpet, furniture, pipes, and more

It’s easy to see how all of this can add up quickly, and if you think you can buy flood insurance at the last minute, think again. You won’t save money by only purchasing flood insurance when you know a flood is about to happen. In most cases, you’ll need to wait 30 days from the time you purchase flood insurance until the time it kicks in. 

Flood Insurance from AS Insurance Agency

Regardless of where your home is located—in Manchester, NH or anywhere else—your home can flood. It’s not worth it to risk going without flood insurance. Call AS Insurance Agency to learn more about flood insurance options and take action to protect your home and belongings in the event of a flood.