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California Flood Insurance
California flood insurance coverage provides protection for destruction and financial devastation caused by floods. Although it may not seem like much, even a few inches of water can cause serious damage to your property—resulting in thousands of dollars in repair and restoration costs.
Homeowner’s insurance does not typically cover flood damage—yet flooding is ranked the #1 natural hazard in the U.S., occurring in and causing damages in all 50 states. Purchasing a California flood insurance policy through ISU Wissink can certainly protect you.
Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure. California flood insurance offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.
Different types of California flood insurance policies are available based on your property’s location and flood history:
Standard Flood Insurance Policies
If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by a standard flood insurance policy. The NFIP was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.
Preferred Risk Flood Insurance Policies
If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren't required to purchase California flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.
Don't wait until it's too late to purchase flood insurance. California clients can benefit from our comprehensive policies right now—which will help cover overall structural losses to your personal property and protect the things that matter most to you.
There’s no reason why you should place your home and livelihood at risk. Contact ISU Wissink today; we’ll get you on the path to superior flood protection with an affordable and inclusive California flood insurance policy.
ISU Wissink, a California insurance agency has been proudly providing Santa Monica California Flood Insurance quotes and policies to our clients throughout the greater Culver City, West Los Angeles, South Bay and Hermosa Beach CA area since 1953.