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La Jolla Water Damage

Should You Have Flood Insurance in La Jolla?

There are many common misconceptions about flooding that can cause a person to neglect the flood insurance that they will one day need.  Those who see their homes consumed by flooding and are left without the insurance needed to afford expenses are the living proof that this is a very wise purchase.

“My Property Can’t Flood.”

This is a commonly used phrase, which can end up costing homeowners their financial security down the road.  It is not always large bodies of water at fault in floods in La Jolla. A snapped sewer line or even a heavy storm when the ground is already saturated can bring water into the home.  On in five homes will suffer from serious water damage at least once in a thirty year span.  

“I Can’t Afford it.”

The truth is that the average homeowner can’t afford to be without flood insurance.  Clean up after a flood can be quite costly.  While the companies specializing in cleaning up after La Jolla Water Damage do attempt to remain competitive, the vast number of items impacted by high water is undeniable and replacement of those pieces that cannot be saved is expense enough for the average American. Furthermore, policies for flood insurance are not as expensive as many people believe.  This security can be purchased for less than one hundred dollars per year for many properties.  Even those in high risk areas can get affordable policies, the price of which would be substantially less than what flood damage can cause.

“The Feds Will Pay the Bill” 

With the organization of agencies like FEMA, the federal emergency management agency, there came a false assumption that the costs associated with flooding would be covered with federal monies.  This is not always the case and even when the government steps in, there is no guarantee that the funds allotted will cover the entire cost of the clean up.  Very often no aid will be given at all because the high water levels were not severe enough, or did not impact enough people to be declared a federal disaster area.  Without the designation, the funds will not be made available.  Flood insurance is designed to pay the full cost of cleanup and belonging replacement.  Depending on the amount of the policy, this could mean up to half a million dollars in coverage, which will not be seen with federal aid.

If you are considering flood insurance, then now is the time to act.  One can never be certain when Mother Nature will act out and most policies have a thirty day waiting period.  That is to say that claims cannot be made on the policy for at least thirty days after the initial purchase.

Also servicing Carlsbad water damage and Oceanside water damage