Does Your Homeowners Insurance in Rhode Island Protect You Against Flooding?

November 08, 2011
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When buying homeowners insurance in Rhode Island, residents often forget to check the fine details on what exactly is covered by their policies. While most home insurance covers theft, fire, and storms, many fail to protect against flooding. Does this mean homeowners do not need flood insurance?

Floods are one of the most common types of natural disasters in the United States. They can occur anywhere in the country from the East Coast to the West Coast. Flooding is more than just a few puddles on the ground. While there are many different types of flooding the one of interest is the one that is defined as water submerging a parcel of land that is typically dry as this isn’t covered by your standard home insurance.

Heavy rains can cause water to seep into your home, damaging your carpets and furniture. Most houses are framed with wood, which can deteriorate when exposed to moisture for long periods of time. Even just a few inches could cause tens of thousands of dollars worth of damage. Extreme flooding can wash away vehicles and entire houses. 

Could you afford flood-related expenses on your own? If not, check into getting flood insurance right away. There may be a waiting period before this type of insurance policy goes into effect. When you purchase flood insurance along with your homeowners insurance, Rhode Island rains won’t stop, but at least you’ll be financially protected in the event that they damage your home. With John Andrade Insurance Agency, Inc., you can get the coverage you need for your home!