Why purchase flood insurance?
Flash flooding is common in the Coachella Valley.
When you live in the Coachella Valley, where rainfall is traditionally low, you wouldn’t think that you need flood insurance. However, as recent storms have indicated, the Desert area is prone to flash floods due to its location near mountains. Since home insurance policies do not include flood damage as part of their named perils, wise homeowners buy flood insurance to protect themselves from periodic events.
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Why you need flood insurance.
Since 1968, the National Flood Insurance Program (NFIP) was set up by the government to offer flood insurance to homeowners, vendors, and business owners who reside in communities designated as prone to flooding, and who participate in the program and take certain steps to prevent flooding in the area.
Having flood insurance is not mandatory if the area is not located in a flood zone, as designated by Federal Emergency Management Agency (FEMA). This is the case in most of the Coachella Valley, which means many homeowners were unprepared for recent storms.
What flood insurance covers.
Flood insurance covers rebuilding costs up to $250,000 and loss of possessions up to $100,000, with more coverage available for higher value homes.
FEMA sometimes offers low-cost loans to aid in repairs and helps fill the gaps for what your insurance covers, but it is a loan and required to be paid back. As the recent flooding in the area proved, however, carrying adequate insurance is the best way to recover and move on with your life in the case of a flood.
How to get flood insurance.
To buy flood insurance, you must work with an agent who is an active member of the NFIP. At Palm Desert Insurance Agency, we will work with special insurance companies in the area that provide flood insurance in order to provide you with a rate comparison so you can make a choice. Rates for this insurance are often very reasonable and we will make sure that you get the most affordable quote for the coverage you need.
For information about how we can help you find the low cost flood coverage you need, call us today at (760) 341-2345 or stop by our office.
We are proud to provide insurance services throughout California in Palm Desert, Palm Springs, La Quinta, Indio and the Coachella Valley. We also serve cities in Arizona such as Phoenix, Scottsdale, Surprise, Glendale and Mesa.
73241 Hwy 111, Ste 1-B
Palm Desert, CA 92260