Imagine, you are standing on your front porch and there is water up to your ankles, flowing into your house. You are thinking, “at least I have homeowners insurance to cover stuff like this”. Wrong. Flood and Earthquake perils are not covered on any Homeowners Insurance policies in California. These policies must be purchased separately and usually have a 30 day wait period before coverage is effective.
A recent study says Ventura and Oxnard California are at greater risk for tsunami than previously thought. A computer simulation shows that a wave 23 feet high could crash more than a mile inland.
On top of that scary thought, meteorologists are predicting an El Niño season with heavy rainfall and possible mudslides in Southern California washing homes and properties away.
Your current homeowners insurance does NOT cover flood. So what do you do before this winter hits to protect your property? Get a flood insurance policy!!
Any questions or for a flood insurance proposal, please, get in touch with an expert before it is too late.
Author: Colbie McRae
In February of 2015, I started insureCAL Insurance Agency from scratch. Now in our 2nd year, we will have 5 licensed agents and an awesome partnership with a number of great insurance carriers. insureCAL’s main focus is the agriculture industry, it’s what all of us grew up knowing and loving.