Things To Know Before Buying Flood Insurance

According to the statistics published in the Environmental Research Letter, approximately 41 million Americans live in flood zones. Therefore, having flood insurance is important – it protects a property, house, and all the belongings. However, before purchasing flood insurance, there are certain things you should know: 

  • Waiting period.  There is a 30-day waiting period after the purchase of insurance before it kicks in. Therefore, it is not recommended to wait until the storm season comes. You should purchase it as soon as possible, primarily if you are located in a flood-prone zone. 
  • Standard home insurance does not cover damages caused by floods.  Many homeowners decide to skip flood insurance because they believe that their homeowners’ insurance covers damages caused by water. Unfortunately, it is not valid. A standard home insurance policy might cover damages from a busted pipe, but it will not cover water coming from outside into a house. 
  • Businesses need flood insurance too.  If you run a business, you may have expensive and valuable technology, equipment, and furniture. Therefore, it is recommended for all business owners to have commercial flood insurance too. 
  • There are two ways to get flood insurance.  You can either find a flood insurance policy with the help of one of the insurance companies or purchase it through the National Flood Insurance Program (NFIP). 

If you are a resident of Mapleton, UT, you may think that you do not need flood insurance. However,  the statistics say that between 40 and 100 floods are occurring in the Utah area every year. If you decide to get this type of insurance to protect your property and belongings, Maple Mountain Insurance Services is ready to help. Maple Mountain Insurance Services is an independent insurance agency dedicated to treating its customers in the most professional manner. Do not hesitate to contact our office to find out about affordable and reliable insurance coverage available. 


What Residents of Utah Need to Know about Flood Insurance

Did you know that as a 30-year homeowner, you are more likely to experience a flood than a fire? Although much of Utah is desert, this state is still susceptible to flooding. However, by knowing what types of hazards are present in Mapleton, UT, you can prepare yourself for a possible flood. Read on to learn more.

Flash Floods

This type of highly dangerous flood occurs in all 50 states, and as a resident of Utah, you should be prepared for this event. Flash floods come fast and furious. They are the result of a substantial amount of rainfall, quickly melting ice, and more, that make bodies of water, such as riverbeds, overflow. If you live near a river, slot canyon, or a dam, a flash flood could engulf your home. You’ll need a particular insurance policy to protect yourself from this kind of flooding.

Faulty Pipes

A burst pipe can result in flooding damage to your home. This gets expensive very quickly. Imagine everything you own sopping wet and ruined. If this were to happen, it’s essential to call in a professional right away to minimize the water damage and immediately make a claim with your insurance company.

Purchase Flood Insurance

The best way to protect yourself against flooding, either by an act of nature, faulty pipes, or a leaking roof, is by acquiring flood insurance. The friendly team at Maple Mountain Insurance Services in Mapleton, UT will go over potential flood hazards for your property and help you find a flood policy to protect you, your family, and your property. Give us a call today with all your questions and concerns. Maple Mountain Insurance Services can be reached right now by phone, email, or come and visit our office to speak with an agent.