Many Birmingham, AL homeowners make the mistake of assuming that their homeowner’s insurance policy offers protection against floods. Unfortunately, it likely doesn’t. When flood damage is caused by a natural disaster as opposed to a burst plumbing pipe, specialized and separate flood insurance is necessary. Magic City Insurance Group LLC wants you to understand just how important having a flood insurance policy can be, especially if you live in a flood-prone area.

It Protects Your Home Structure

Floods are among the most common natural disasters that occur in the U.S. This is true for high-risk as well as non-high-risk areas. One-fifth of flood insurance claims are for non-high-risk areas. By investing in a flood insurance policy, you can protect the structure of your home in the event it suffers flood damage from torrential rainfall or another natural disaster. This includes damage to the roof, walls, flooring, and foundation.

It Protects Your Personal Belongings

Some policies will not cover your personal belongings within the house. The good news is you can purchase a separate policy that will cover these items. This is true whether you own your home, or if you are renting. In order to ensure you are properly protected, you will want to create an inventory list and provide it to your insurance company in the event a claim needs to be filed in the future.

When it comes to protecting your property in Birmingham, AL, a standard home insurance policy is usually not enough. You also should consider additional coverage like flood insurance to ensure you are properly covered in the event of a natural disaster. For more information, contact Magic City Insurance Group LLC.