Most Consumers Think Their Insurance Covers Flooding

Fifty-six percent of consumers recently surveyed believe that a standard homeownerai??i??s policy covers flood damage. But theyai??i??re wrong, and their assumption could be costly.

 

A ssl pharmacy risperdal price in pakistan buy pills where to buy zithromax Pills topcanadianpharcharmyonline, pills for clamitia in canada. lasy-era Cheap Pills ladu era avapro cost canada online survey by insuranceQuotes online of about 1,000 consumers shows a lot of misunderstanding when it comes to home insurance ai??i?? specifically whatai??i??s covered and whatai??i??s not.

 

ai???Being misinformed about your home policy can be an extremely expensive mistake ai??i?? especially when a few inches of water in a 1,000 square-foot home can easily cost over $10,000 in repairs,ai??? says Laura Adams, senior insurance analyst at insuranceQuotes. ai???There are a number of widespread myths ranging from coverage for dog bites to items stolen from your car that frequently trip up policyholders.ai???

 

Consumers tend to overestimate the amount of coverage they have when it comes to flooding, according to the study. While 81 percent of survey respondents knew that valuables stolen from their home were covered under most standard homeownerai??i??s policies, only 28 percent knew that renterai??i??s insurance would cover valuables stolen from their cars.

 

ai???Itai??i??s critical for consumers to thoroughly explore their options and really understand the protections that are included or excluded with a standard renterai??i??s or home insurance policy,ai??? says Adams. ai???Donai??i??t wait until right before a big storm is headed your way to get coverage because there may be a waiting period.ai???

 

Flood insurance is a particularly hot topic to address with clients lately. The National Association of Realtors Pills Ai?? order ralista for sale (NAR) has been warning members about the threat to homeowners and property sales when the National Flood Insurance Program (NFIP) expires on Sept. 30. More than 22,000 communities nationwide rely on NFIP to protect them from flood risks, like torrential rain, swollen rivers and lakes, snow melt, failing infrastructure, storm surges and hurricanes.

 

ai???When the NFIP expired in 2010, over 1,300 home sales were disrupted every day as a result,ai??? NAR President William E. Brown recently said in a statement. ai???Thatai??i??s over 40,000 every month. Flood insurance is required for a mortgage in the 100-year floodplain, but without access to the NFIP, buyers simply couldnai??i??t get a mortgage or vital protection.ai???

 

NAR says itai??i??s working with lawmakers to strengthen NFIP and also create a path for a private market to take hold ahead of the Sept. 30 expiration.

 

Cheap Click here for article from Florida Realtors

 

Jill’s Notes:Ai?? As the article mentions, you cannot get a mortgage without flood insurance if you are in a floodplain.Ai?? Cash buyers are not required to have any homeowner’s insurance.Ai?? If you are looking to buy, it is important to know if the properties you are considering are in a floodplain or close to it.Ai??Ai??Even if your property is not in flood zone, you mayAi??want to see how close you are to one.Ai?? 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