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Flooded HouseIf you’re on the fence as to whether or not to purchase flood insurance, consider the following five reasons to purchase it sooner rather than later:

  1. Most Common Natural DisasterFlooding is the most common natural disaster in the United States and worldwide. It beats out all other natural disasters, including tornadoes, hurricanes and fires.           
  2. 30 Days for Policy to Take Effect While you can purchase flood insurance at any time, there is typically a 30-day waiting period before a policy will take effect. Don’t wait until the local weather station reports storm warnings because it will likely be too late to cover a flood in progress.
  3. Most Homeowners Insurance Does Not Include Floods Many people may not realize that homeowners insurance does not cover floods. However, if you live outside of the higher-risk areas, you may qualify for a lower-cost Preferred Risk Policy (PRP). Your property must be in a moderate- to low-risk zone. There are other requirements for qualifying for PRP, which your agent can assist you with.
  4. Flood Maps Change There is a current effort to update Flood Insurance Rate Maps (FIRMs) due to meteorological and climate changes. When the maps change, it could effectively change the risk of flood where you live along with your insurance requirements.
  5. Everyone Lives in a Flood Zone Anywhere it rains, it can flood. You can review the Federal Emergency Management Agency (FEMA) website for information on flooding. Their site is full of useful information, but determining what applies to you can be somewhat complicated. It’s a great place to start, but the best way to find out about flood insurance is to contact your agent today.

Protect your home. Call ECI Insurance Agency at (405) 373-2977 for more information on Oklahoma flood insurance.

Posted 12:03 PM

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