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Deluxe Insurance Group

4515 E Superior St
Duluth, MN 55804

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Life In A Flood Zone: What You Can Do To Protect Your Home

If you live in an area prone to flooding, it’s important that your home is fully protected. In addition to having a rock-solid flood insurance policy, you’ll also want to take steps to physically protect your property in the event of a flood. 

Consider Raising Your Home

Talk with a contractor about whether it’s possible to raise your home off the ground. Doing so can lower the risk that your home and belongings will be damaged in the event of a flood (and can provide you with ample parking). 

Grade Your Lawn

Discuss changing the grade of your lawn with your landscaper. If your lawn tilts toward your home, excess rainwater will pool around the foundation of your house. Changing the grade of your lawn so that it tilts away from your home can make it easier for rainwater to drain away in the event of a flood. 

Leave Space Between Your Home and Mulch

Resist the temptation to put mulch right up against your home. If you live in an area known for its wet weather, it’s likely that your mulch will be wet or damp often. Mulch that is not dry and pressed against the side of your home can cause mold to form in your siding, resulting in damage to your home.

Reach Out To Deluxe Insurance Group (Duluth), Serving Duluth MN For Your Flood Insurance Needs

If your home is in a flood zone, it’s important that you have flood insurance to protect your home and assets. Reach out to Deluxe Insurance Group (Duluth) serving Duluth, MN for all your flood insurance needs. 

Why Should I Have Flood Insurance?

When people decide to protect their homes through insurance, the first thing that comes to mind is homeowner’s insurance. However, the biggest challenge is that most people assume that flood insurance is covered under home insurance, which is not the case. Flood insurance comes in handy, especially for people living in flood-prone areas. Deluxe Insurance Group (Duluth) in Duluth, MN explains why you should consider flood insurance.

Protecting the Structural Damage to Your Home

Structural coverage deals with the structure of one’s home, including essential elements like the HVAC unit and electrical wiring. Floods have been known to cause significant damage, almost crippling one’s financial status. The water damages the flooring and walls and leads to the growth of mold. In severe circumstances, it can create cracks in the foundation, putting your home at risk. Flood insurance helps cover the cost of repairing your home. This includes components like electrical rewiring or replacing drywall.

Protect Your Property

Your personal property is likely to get damaged by water when your home floods. With content coverage, your insurance company will help replace any content you have lost. This includes the furniture that you cannot salvage and electrical gadgets that get ruined by water. However, confirm with your insurance agent what your particular policy covers. For instance, you may have limited coverage when it comes to some valuable items like a family heirloom. Confirming this ahead of time will help you decide if you need to buy additional coverage.

Considering that even an inch of water in your home can cause significant damage, most homes are not entirely safe from flooding. However, purchasing flood insurance is what makes the difference between recovering from a flood and a financial setback. Residents of Duluth, MN, looking to protect themselves, can reach out to Deluxe Insurance Group (Duluth). Our skilled agents will help ensure that your home is adequately protected, giving you peace of mind.

Do all people in Duluth need flood insurance?

The Duluth, MN area can be a fun place to live. The proximity to various lakes in the area can make it fun in both the summer and winter months of the year. For property owners here, one potential risk that they should mitigate against is the risk of flood damage. There are a few reasons that property owners in this area of the state should obtain a flood insurance policy.

Insurance Gives Coverage for Flood Damage

A key reason to get a flood insurance plan is that it is needed to mitigate the potential risks that come with flood damage properly. When you get a flood insurance plan in this area of the state, it will ensure that you have protection to repair your home if a flood occurs. In many cases, you may find that your base home coverage does not provide ample coverage to mitigate this risk.

Some Mortgage Lenders require insurance.

You will also want to get a flood insurance plan as your mortgage lender could require it. Many mortgage providers today require that people in a FEMA flood zone get additional flood insurance. If you are in a flood zone, the lender will likely want to approve your policy and escrow for payments. 

There continue to be scenarios when having flood coverage is a good idea and even a requirement. As you are shopping for a new policy for your home in the Duluth, MN area, you should speak with the Deluxe Insurance Group team. Picking insurance for flood coverage can be complicated, and the team here can make it easier. Deluxe Insurance Group would carefully assess your situation and ensure that you understand all of your needs and options when selecting a plan. 

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