{"id":3301,"date":"2021-07-30T04:00:00","date_gmt":"2021-07-30T10:00:00","guid":{"rendered":"https:\/\/www.altavistainsurance.com\/blog\/?p=3301"},"modified":"2021-08-08T20:09:47","modified_gmt":"2021-08-09T02:09:47","slug":"flood-insurance-explained","status":"publish","type":"post","link":"https:\/\/www.altavistainsurance.com\/blog\/flood-insurance-explained\/","title":{"rendered":"Flood Insurance Explained"},"content":{"rendered":"<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">You might think that your home is safe from floods because you have never seen anything more than a puddle in your yard. Unfortunately, every home is at risk of floods. Floods are unpredictable and can happen near the coast and in dry areas. According to FEMA, about 99% of all American counties have been ravaged by floods since 1996!<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">And here is another problem. When floods strike in Vista, CA, your home insurance doesn&rsquo;t protect your home. Unfortunately, no amount of sandbags can hold back flooding. For this reason, you need a stand-alone flood insurance policy from Alta Vista Insurance Agency for optimal protection.<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Is flood insurance mandatory?<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Although no law in Texas requires flood insurance, if your home or business is mortgage-financed, your lender may require you to purchase flood insurance if you live in a flood-risk zone. In contrast, persons living in low-risk areas may see flood insurance as an unnecessary expense, but flood insurance cushions you from dipping into your savings when floods strike.<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">What does flood insurance cover?<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Whether it&rsquo;s flash flooding or hurricane flooding, water causes extensive damage to your home. To put this in perspective, a one-inch rise in water levels results in repairs to the tune of $25,000 and above!&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">When you buy flood insurance, it protects the below:<\/span><\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Building:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;This covers electrical and plumbing systems, furnaces, carpets, detached garages, and other fixed appliances.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/li>\n<li><span style=\"font-size:11pt\"><span style=\"color:#0e101a\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">Contents:<\/span><\/span><\/strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\">&nbsp;Covers personal items like furniture, electronics, curtains, ovens, and so forth.<\/span><\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Where to buy flood insurance<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">You can buy flood insurance from NFIP. This coverage has a 30-day waiting period and covers your building up to $250,000 and contents up to $100,000. Besides, you can purchase flood insurance from private carriers. And the beauty of private flood insurance is that it provides better coverage than NFIP.<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><strong><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Buy flood insurance today!<\/span><\/span><\/span><\/strong><\/span><\/span><\/p>\n<p><span style=\"font-size:11pt\"><span style=\"font-family:Calibri,sans-serif\"><span style=\"font-size:12.0pt\"><span style=\"font-family:&quot;Times New Roman&quot;,serif\"><span style=\"color:#0e101a\">Are you in Vista, CA, looking for flood insurance? Please get in touch with Alta Vista Insurance Agency for an affordable quote.&nbsp;<\/span><\/span><\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You might think that your home is safe from floods because you have never seen anything more than a puddle in your yard. Unfortunately, every home is at risk of floods. Floods are unpredictable and can happen near the coast and in dry areas. According to FEMA, about 99% of all American counties have been [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[80],"tags":[94,93],"class_list":["post-3301","post","type-post","status-publish","format-standard","hentry","category-flood","tag-alta-vista-insurance-agency","tag-vista-ca"],"_links":{"self":[{"href":"https:\/\/www.altavistainsurance.com\/blog\/wp-json\/wp\/v2\/posts\/3301","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.altavistainsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.altavistainsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.altavistainsurance.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.altavistainsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=3301"}],"version-history":[{"count":1,"href":"https:\/\/www.altavistainsurance.com\/blog\/wp-json\/wp\/v2\/posts\/3301\/revisions"}],"predecessor-version":[{"id":3302,"href":"https:\/\/www.altavistainsurance.com\/blog\/wp-json\/wp\/v2\/posts\/3301\/revisions\/3302"}],"wp:attachment":[{"href":"https:\/\/www.altavistainsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=3301"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.altavistainsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=3301"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.altavistainsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=3301"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}