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Flood: Fact Vs. Fiction

June 14, 2016  |  Posted by Nick Peterson  |  3906 Views

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flooding houses 3

Every state in the U.S. has experienced floods at some point within the last decade. Especially in Florida, MacNeill sees hundreds of Flood claims year-round from people living far outside of high-risk flood areas. What they don’t know is that they are always susceptible to flash floods, hurricanes, and we almost forgot to mention the dreaded climate change. Pretty much anyone who lives in a house could learn a thing or two about flood. So here’s some “rainy day” reading for those Flood enthusiasts out there, or shall we say ‘Flood non-enthusiasts’?

Can you tell these Flood facts from fiction?

 

Fact or Fiction: I’m in zone x and I don’t think I’ll need flood because I am not required to carry it by the banks (only a whopping 1% of banks will require flood coverage in zone x).

  • Answer: Fiction

According to the NFIP 1 out of 3 flood claims come from zone x.  So it looks like you’ll be needing flood insurance. Sorry.

Fact or Fiction: It isn’t Summer yet, so I think I’ll wait until then to get my flood coverage.

  • Answer: Fiction

It takes a good 30 days for a flood policy to take effect, and probably for that specific reason. Waiting to get flood insurance is like asking a hurricane to come by for a late summer rendezvous. Oh yeah, and did I mention that your homeowner’s insurance doesn’t cover flood?

Fact or Fiction: Just a few inches of water from a flood can cause tens of thousands of dollars in damage

  • Answer: Fact

Remember those new hardwood floors? Or how about that new designer rug? And your brand new kitchen appliances? Its easy to forget just how easily things add up.

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Fact or Fiction: My new house isn’t susceptible to flood because my construction company told me so.

  • Answer: Fiction

Constructing on undeveloped land can increase the risk of flooding because of the obstruction of natural runoff paths. Moral of the story: don’t listen to anyone ever. Well, except us.

Albert Garcia, account executive for the MacNeill Flood department, offers this tip:

“In the case of a map update your current flood zone may change to a higher risk which will have a higher premium. By purchasing a flood policy now,you guarantee your policy by grandfathering your flood zone and keeping the lesser premium.”

These fun facts prove that having Flood insurance is the only way to safe-proof your loved ones from what has been proven to be a brutal summer season in Florida. So call your friends, put on your rain boots, and play in the rain because you know you’re insured.

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