Featuring water bodies like the Delaware River, it’s not uncommon to experience floods after heavy rains. And as you know, when floods strike, they leave a trail of destruction on their path. But what can you do? Since you have no control of nature, all you can do is purchase flood insurance to protect your home and loved ones.

But is flood insurance necessary? I don’t think I will ever need it in Quakertown, PA. While you may not see the motive to buy flood insurance now, here are the reasons you should, according to R&R Insurance Group LLC.

Home insurance doesn’t cover floods

Suppose floods damage your dwelling, only to discover that your home insurance doesn’t cover the damage. How would you feel? Devastated, right? And to add fuel to the fire, you will be faced with significant repairs to financing the damage from your pocket.

Typical home insurance covers flooding if a covered event causes it. For instance, home insurance will compensate you for the damage if a tree falls on your roof and causes leakage. However, home insurance doesn’t cover overland flooding — and since this is common, you must buy flood insurance to enjoy the coverage.

Floods can strike even in areas not considered floods-prone

You might think that you are safe, but the bad news is that floods can strike anytime, anywhere. According to FEMA, approximately 20% of flood insurance claims come from residents living in areas not considered at risk of floods!

Floods damage is expensive

Did you know that a one-inch rise in water levels costs about $25,000 in repairs? Yes, flood damage can be expensive. For this reason, you require flood insurance to ensure that you don’t incur costly out-of-pocket repairs when floods strike.

Where can I buy flood insurance?

Are you looking for flood insurance in Quakertown, PA, and its environs? All you need is to contact R&R Insurance Group LLC for an affordable quote.