Clipboard depicting a flood insurance policy

Flood Insurance Decoded: Understanding the Key to Resilient Living

Water Restoration

Sometimes, too much of a good thing can be soggy! Floods can often result in damage and disaster. Stay ahead of potential weather-related events by keeping your flood insurance coverage current. When an emergency strikes, knowing your investment can protect your property and belongings is a relief. Here’s what you need to know about flood insurance.

Understanding the Risks

Severe thunderstorms and heavy rainfall can lead to severe flooding, causing extensive damage to homes, properties, and infrastructure. Floodwaters can invade your living space, destroying furniture, appliances, flooring, and your home’s structural integrity. The costs associated with flood damage can be excessive, often requiring significant financial resources to repair or rebuild.

Contrary to popular belief, standard homeowner’s insurance policies typically do not cover flood damage. This common misconception can be financially devastating, as homeowners may find themselves without adequate coverage when flooding occurs. It’s imperative to recognize this gap in coverage and take proactive steps to secure a separate flood insurance policy.

A man walks through a flooded area in Everett
A flood can strike at any time.

Benefits of Flood Insurance

Financial Protection

Flood insurance offers financial protection against the expensive aftermath of a flood. It covers structural damage to your home, including the foundation, walls, electrical systems, plumbing, and major appliances. Without flood insurance, you may have to bear these costs out of pocket, potentially straining your finances.

Contents Coverage

Our cherished heirlooms can be impacted by the storm, too. In addition to structural damage, flood insurance often includes coverage for personal belongings within your home. This protects items such as furniture, electronics, clothing, and other valuables, mitigating potential losses.


Are you worried about the potential out-of-pocket costs you might encounter after a severe storm? With flood insurance, there’s no fear; you’ll feel relieved knowing you’re secure from nature’s unpredictable weather events. With your finances settled, you can prioritize your family’s well-being. 

The Importance of Reviewing Your Policy

It’s never too late to double-check your policy! Here are some reasons why reviewing your policy throughout the year matters:

  1. Policy Adequacy. Ensure that your current flood insurance policy provides adequate coverage for your home and belongings based on their current value.
  2. Understanding Coverage. Take the time to thoroughly understand what your flood insurance policy covers and what it doesn’t. Clarify any doubts you may have with your insurance provider.
  3. Policy Exclusions. Be aware of any exclusions or limitations in your policy so you’re not caught off guard in the event of a flood.
  4. Policy Updates. Insurance policies can fluctuate and change over time without your notice. Ensure that you’re up-to-date with the latest policy terms and conditions.
  5. Emergency Contact Information. Confirm that you have the correct contact information for your insurance company and agent in case of an emergency.
A kitchen falling victim to flood waters. Flood insurance could help ensure this damage is repaired.
Flood insurance can save your home.

For 24/7 Water Damage Restoration, PuroClean Professional Restoration Is the One to Call!

When steady showers lead to flooding, property damage can occur. There’s no need to panic when you have the professionals at PuroClean Professional Restoration on your side! Using state-of-the-art equipment, our experienced technicians can promptly remediate your home to its pre-loss condition with minimal disruption to your schedule. As the “Paramedics of Property Damage™,” we respond to your emergency day or night. Please get in touch with us today for water damage restoration in Everett.

Last edited on 25th of September 2023