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.