7 Tips On Getting The Right Flood Insurance So You Can Stay Prepared This Winter

Released on: October 9, 2008, 4:37 pm

Press Release Author: water damage team

Industry: Industrial

Press Release Summary: If you want to be prepared for the upcoming flood season,
then please consider the following list of tips for finding the right flood
insurance from the Water Damage Team.

Press Release Body: Wake Forest, NC - Follow these simple steps from the Water
Damage Team to find the best flood insurance for your home.

"Purchasing flood insurance is not something you want to rush," notes David Beavers
of the Water Damage Team. "To properly protect your investments you should take the
time to properly prepare before purchasing flood insurance, as rates limits and
coverage alter drastically between insurance companies. To help you prepare for your
search, please enjoy the following list of tips for finding the right flood

1. Assess your Home's Risk
A nation wide insurance company stated that one third of the flood claims they get
come from homes not in a flood prone area. It's important to consider your real risk
for a flood of any kind, and how high if a risk it is. Depending on your homes
propensity to flood, the policy you choose should adjust to it accordingly. You can
go to the governments flood site, FloodSmart.com, to get a better idea of your homes
risk for flooding as well as some estimates for price ranges you should be

2. Don't Wait
It takes awhile to finalize the process of getting flood insurance, and if a flood
occurs during that process it's not likely that you will receive coverage. If you
are considering this type of insurance, then make sure you plan to purchase it well
before flood or even rain season. Unfortunately, the majority of homes in Louisiana
had no flood insurance during hurricane Katrina, and government handouts only go so

3. Educate Yourself on Limits
Before signing anything, make sure you know your home well and they type of flood
damage it could incur. Then carefully evaluate your flood insurance proposal and
make sure you are fully covered for any and every area of concern. While some
insurance companies have limits to the amount they'll refund you for damages, some
will cover your home and it's possessions to the full extent. Do not be afraid to
ask questions, express concerns, or criticize rates and limits. This is your home,
life, and family you're dealing with so it's okay to be a little pushy to make sure
you're getting what you want when you pay for it.

4. Ask About Rate Increases
No one wants to think about their rates increasing in the future when they're first
taking on a new bill, but it is important to remember that your flood insurance
rates could very likely rise and you will be expected to pay the difference.
Luckily, now that you know this you can take a look at rate limits for each
insurance company you consider, and factor them in.

5. Preparation is Key
The more knowledgeable and prepared you are when choosing flood insurance, the more
likely you are to make the perfect choice for you. Before going in to question
agents, make a list of things you'd like to ask and know. It's easy to get flustered
and forget important things when you're talking to a smooth talking insurance agent
who knows how to make a sale. Know what exactly you'd like protected from a
potential flood (just the home, or all possessions or vehicles as well?) and what
your budget is. Look online before going out to et a good idea for insurance rates
for your area.

6. Ask Neighbors
Don't be shy to ask neighbors and friends living nearby if they have flood insurance
and which company they purchased it from. Make sure to ask multiple questions from
overall satisfaction, to reliability and rates. The best reviews are from the
customers themselves as opposed to the company trying to sell their stuff.

7. Do Not Rely on Handouts
Although it's true people living in high-risk areas have the right to government aid
in a natural disaster, they aid is very limited. Very limited. If you live in one of
theses areas and thus think you don't need insurance, know that you'll receive some
help but you may lose your home and possessions in the process, as the government is
not likely to replace them.

The Water Damage Team is a nation wide disaster restoration company, with years of
experience in water removal and water drying. As well as storm damage clean up,
contaminated water removal of all levels, structural drying, debris removal and mold
remediation. Our water damage restoration specialist are trained and certified in
all of the industries standards and techniques. At the Water Damage Team we
understand that rapid response is key to preventing any additional loss, so our
specialist are available to answer calls and response 24 hours a day 7 days a week.
Call 1-800-533-0626 for immediate assistance.

Web Site: http://www.waterdamageteam.com

Contact Details: Mathew Guiver, Search Engine Marketing Consultant
Water Damage Team

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