YES! Because flooding can happen anywhere. There is no better time than now to discuss flood insurance, as California residents patiently wait for the rain to arrive. Too many  homeowners  however,  assume that their homeowners insurance will cover flood damage. Despite popular belief, the standard policy actually excludes flood damage entirely.

As one of the most costly forms of natural disaster-related damage, every single homeowner can benefit from this vital form of insurance. Many people think that they have to live in a “flood zone” such as coastal areas or near a river or lake to be affected by flooding. This is a reminder that flooding can occur due simply to heavy rains, dry terrain, overbuilding areas or old sewer systems that cannot handle heavier-than-normal water flow.  The National Flood Insurance Program (NFIP) offers flood insurance coverage to any homeowner

Give us a call now that the rainy season is fast approaching and we can discuss with you the options available for flooding  coverages. There are stand-alone policies or now several carriers are offering Sewer- Backup and Service Line endorsements to homeowner policies.

Contact Randy Jones Insurance in Pleasanton for all of your California homeowners’ insurance needs. We can help you select, or make sure you have, the right flood and home coverages to protect you.