Are floods covered under home insurance in the state of Minnesota? You might be surprised to learn that flooding is not included in a standard homeowners’ insurance policy. There are companies that offer this as an additional policy and it’s definitely a good idea to discuss if you live in or near a flood zone. Even if this isn’t the case, you’d benefit from talking to an independent insurance agent from Pizano Insurance, which serves the Wayzata, MN area.
Don’t Rely on Disaster Assistance
In many cases, you won’t be able to use disaster assistance. This isn’t a possibility if the President hasn’t declared that the flood that damaged your home or other property to be a disaster. Of course, it is a catastrophe and there definitely is help out there. It’s important to be prepared for this type of emergency because it can be costly to repair your home or replace your property.
National Flood Insurance Program
There is a National Flood Insurance Program for which you may qualify. A local insurance agency may be able to assist you with signing up for this, and if not, an agent will help you find just the right flood insurance for your needs. They’ll explain the costs as well as what’s covered and let you know if there are any strict limitations.
Flood Insurance from Pizano Insurance
Not every insurance agency is the same. You can depend on Pizano Insurance of the greater Wayzata, MN region to listen to your needs and come up with a solution that should give you strong protection for your investment. The last thing you want to do is worry about how you’ll manage if you have serious flood damage and we’ll make sure to put your mind at ease.