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	<title>New answer on: Is Flood insurance a good idea?  (Homeowners policy)</title>

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		<title>By: David G. Pipes, CLU®, RCIP®</title>

		<link>https://insurancelibrary.com/home-insurance/flood-insurance-good-idea-homeowners-policy</link>

		<dc:creator>David G. Pipes, CLU®, RCIP®</dc:creator>

		<pubDate>Wed, 04 Feb 2015 18:16:34 +0000</pubDate>

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		<description><![CDATA[Protection for loss as the result of flood is often overlooked.  Nearly 25% or all property claims are flood claims.  Many people cannot visualize a flood and yet I have seen flooding in very unusual places.  When persistent rain caused mudslides in Marin California, storm drained were plugged with debris and nearby homes were flooded, even in the mountains.]]></description>

		

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		<title>By: Tom Sheehan</title>

		<link>https://insurancelibrary.com/home-insurance/flood-insurance-good-idea-homeowners-policy</link>

		<dc:creator>Tom Sheehan</dc:creator>

		<pubDate>Wed, 26 Nov 2014 18:52:07 +0000</pubDate>

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		<description><![CDATA[In a word, yes.   Damage to your home caused by flood is always excluded under a standard Homeowners Insurance policy.  Anyone and everyone who has a home is situated in a flood zone.  Some zones are far more risky than others, but just because you happen to be in a lower risk zone does not mean that you cannot suffer a loss caused by flooding.]]></description>

		

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		<title>By: Jared Townsend</title>

		<link>https://insurancelibrary.com/home-insurance/flood-insurance-good-idea-homeowners-policy</link>

		<dc:creator>Jared Townsend</dc:creator>

		<pubDate>Mon, 24 Nov 2014 16:39:34 +0000</pubDate>

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		<description><![CDATA[Flood insurance is always a good idea. Statistics show that 25% of all flood claims occur in the low risk &quot;X&quot; flood zone. Unless you are at the top of a 50 foot hill I would get a policy! They start around $300/year. 

If you are in a hazard flood zone you will need an elevation certificate. This tells the insurance company how high your home is compared to the surrounding area. Contact a local surveyor to get one. 

- Jared]]></description>

		

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