While your mortgage company requires you to obtain homeowners insurance to complete your loan, they may not demand that you buy flood insurance. There are several instances where your home can be damaged but is not covered by your traditional policy, so you’ll want to talk to your insurance company about flood insurance to make sure you’re fully covered. The Ebert Agency in Foley, AL, will review your current policy and explain how flood insurance will increase your peace of mind. 

3 Ways Flood Insurance Enhances Your Coverage

1. Tidal Surges From Hurricanes or Severe Storms

Even if a coastal home is not listed in a flood plain, storms can bring huge onshore tidal surges, inundating neighborhoods several miles inland that would not normally see damage from rising tides. Superstorm Sandy caused billions of dollars to an entire coastline where many people were not covered, and the Gulf is also vulnerable.

2. Storm Drains Clog on Your Street

Even cities situated miles from the closest rivers can still experience flooding during torrential downpours. If a storm drain on your street clogs, rising water can flood your basement—or your first floor if you're built on a slab. These downpours happen anywhere, but flood insurance covers your losses.

3. Rivers & Streams Experience 100-Year Flood

There's the typical spring flood plain, where you are probably required to carry flood insurance; then, there's the 100-year map. A visit to your city records office can show you where water is likely to run in case of a historic flooding event. It's wise to buy flood insurance accordingly and protect your home.

To learn more about purchasing additional insurance for your Alabama property, including flood protection, call the Ebert Agency in Foley at (251) 943-2281. You can also see their website for more information.