Tag Archives: california flood

Flood Insurance and Godzilla El Niño

by Patrick Ramsay

You’re familiar with the saying “When it rains it pours,” but there’s a new saying being passed along California: “When Godzilla El Niño rains, it floods.” Though California has been in the midst of a drought for four years, there is no time more vital than now to protect your home with flood insurance. For most California homeowners, floods don’t rank among their highest concerns. Scientists are expecting this year’s El Niño weather cycle to be incredibly strong, potentially even surpassing the El Niño weather cycle of 1997, which was the strongest on record according to the National Weather Service.

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In high-risk flood areas, there is a one in four chance that someone with a 30-year mortgage will experience flooding. Even homeowners in medium-to-low risk areas can be financially vulnerable to flooding. According to FEMA (Federal Emergency Management Agency), people outside of mapped high-risk areas file over 20-percent of all National Flood Insurance Program flood insurance claims and receive one-third of Federal Disaster Assistance for flooding. FEMA also emphasizes that flooding can occur anywhere that it rains. No matter where you live, a few inches of water can cause thousands of dollars of damage. Just like every other type of insurance, it is vital to understand what is and isn’t covered. From the insured building and its foundation to furs, artwork, and curtains, flood insurance will provide coverage. For a full list of what’s covered by flood insurance, click the following link: www.floodsmart.gov/whats_covered.

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Be proactive about protecting your family, your home, and your belongings. There is typically a 30-day waiting period from the date of your purchase before your policy will go into effect, so do not wait to get coverage. Contact insureCAL today to learn more about their flood insurance programs before it’s too late.

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Flood Insurance: Does Your Homeowners Insurance Cover It?

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.

(209)250.0269

info@insurecal.com

turlockinsurance.com