Is Your Insurance El Nino Ready?

A flood insurance policy will help you get ready for El Nino.

Living in California allows you to enjoy bright, sunny skies almost all year long. However, with a monster El Nino expected to hit the state this year, the sunny skies could soon be filling up with dark rain clouds. Knowing how to protect your house and belongings from danger throughout El Nino will help to ensure you don’t have to deal with any expensive insurance claims.
While your homeowners insurance policy will provide coverage for most of the perils that you may face during El Nino, it will not provide any protection for flooding damage due to the rain. Only a specific flood insurance policy will be able to provide the coverage that you need for your home and all of your assets.
While flood insurance is not required by law, it is beneficial to all homeowners, no matter where you live. Even if you are miles away from the closest source of water, you still face a risk of flooding. Luckily, the lower your risk of experiencing a flood, the lower your flood insurance premiums will be.
It is important to keep in mind that flood insurance has a 30-day waiting period before the coverage will kick in. If a flood damages your house while your policy is still in the waiting period, you will be left covering the cost of damages on your own. The sooner you buy a flood insurance policy, the sooner you can have the peace of mind that you deserve knowing that you will be covered throughout El Nino.
When it comes to finding the right flood insurance policy that will meet your needs, contact the independent insurance professionals at McCarty Insurance Agency. Serving Clovis, Fresno, and surrounding Northern California areas, we will work with you to help find the perfect policy, all at the right price to fit your budget.