Why You Need Flood Insurance

According to the State of Washington Department of Ecology, flooding costs the state more than any other type of disaster. At least 10 flood events are given an 80 percent chance of occurring each year, and that prediction is growing with climate change. 

Many property owners think their home or business insurance covers flood damage,
but it does not. Only having a separate flood insurance policy gives you the coverage you need in the event of a flood. 

What Flood Insurance Covers: 

Flood insurance protects both your structure and its interior in case of flood damage or loss. This includes:

• Your home or business building
• Furnaces, water heaters, central air conditioning, and HVAC equipment
• Permanent carpeting installed over a subfloor
• Large and small appliances
• Furnishings
• Business equipment and inventory
• Personal belongings like electronics, housewares, and clothing

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