Emergency Pontoons for Your House! Your house doesn’t naturally float in water? No problem! Just hook on our handy emergency pontoons and up your house goes, basement and all. No need to worry about floods. Just $1995.95 plus tax & shipping!
Wouldn’t that be great? Never having to worry about your home being destroyed by a flood?
Our neighbors down south could use some of these right now. Hey, I’d buy them and I’m not in a flood zone. We had some flooding problems here in Northeastern Washington and North Idaho this spring. It can be really scary for those in the path of the waters.
So what do we do until some genius comes up with pontoons for a house? First, check your insurance policies.
Your homeowners insurance is not going to cover floods. This may be a bit of a shock for some people. But the truth is…homeowners insurance hasn’t covered flood problems in a very long time.
You need Flood Insurance. That’s right, if you don’t have a policy that says Flood insurance on it…well, you don’t have coverage.
Homeowners insurance covers a limited range of water issues. A pipe suddenly breaking inside your home would be covered under most circumstances. Or if a tree falls, breaking a hole in your roof while it’s raining….likely that will be covered. Most water coming in from outside—is not covered.
There are some exceptions to that rule. Some policies have a coverage for sewer backup that you can add on. But a hose that gets left on and pours into your basement? Sorry…no coverage for that.
The nice thing is that there are more options for Flood insurance now. Better coverages and prices and more companies offering it.
So, who needs to make sure they are covered for floods? According to the Federal Government – all of us. They have some good reasons for that very blanket statement.
You could get flooded.
Many people were very upset after Hurricane Katrina because, while the wind didn’t damage their home, the flooding did – and it was not covered by homeowners insurance.
Anyone in the path of potential hurricanes should have Flood insurance! It may feel like a waste of money but if you don’t have it when you need it….that’s far worse.
Likewise, anyone who lives near a river that only floods every 100 years or so….get Flood insurance!
Pay attention to what your mortgage company requires. They have good reason for requiring extra coverages.
The consequences are not just replacing your belongings but…
Until someone creates those emergency pontoons for houses…Flood insurance is our best bet.
Please someone, come up with a way of attaching pontoons to houses fast. Please?
Disclaimer: This is very general information. To discover what you are covered for, read your policy and speak with your agent.
Disclaimer 2: Earthquakes and landslides are other types of disasters not covered by homeowners insurance. In some areas volcanic eruption/lava flow and hurricanes are not covered by homeowners insurance. These disasters can be covered by additional but separate polices. Ask your insurance agent.
Posted By: Lara Wilson, Mount Spokane Insurance - MountSpokaneIns.com
Mount Spokane Insurance
We are an independent insurance agency handling over 80 different insurance companies. Lara Wilson does most of our blog posts. Any guest posts will have the guest blogger's name at the end of the post.