Did You Know that Water Damage Caused by Floods is Not Covered by Homeowners Insurance?
Flooding can cause significant damage to a home. In this situation, the last thing you need is to have inadequate insurance protection to help alleviate the financial burden caused by water damages. That’s why Clark Insurance is here to help. We’ll work closely with you in order to understand your situation, risks, and flood insurance needs. Then, our team can help you secure flood insurance protection through the National Flood Insurance Program.
If you already have NFIP flood insurance, pay your premiums within 30 days or you could risk being reclassified.
What are your options?
Our agency has extensive experience providing flood insurance protection to individuals and families across Maine, New Hampshire and Massachusetts. Generally, there are two main types of flood insurance policies:
Standard Flood Insurance
Depending on where you live, your community may be eligible for the National Flood Insurance Program (NFIP). This allows your home and your possessions to be covered under a standard flood insurance policy.
Preferred Risk Flood Insurance
If you live in an area that typically is only a low or moderate risk, you may qualify for a preferred risk policy. This is a lower cost option for those who live in a low risk location.
Based on your home’s location and your town’s history of flooding, our team will recommend a flood insurance policy and risk control measures that makes the most sense for you. In the event of water damage, a flood insurance policy will help you with repair costs and other expenses related to:
The foundation of your building
And much more!
To learn more about your flood insurance options and how to protect your home, fill out a free online quote form! Or, contact one of our agents directly by calling our Portland, ME office at (207) 774-6257, our Manchester, NH office at (603) 622-2855 or our Lowell, MA office at (978) 459-0505.
Ice Dams and Snow Loads
We are alerting our customers to clear snow from their roofs, decks, bulkheads and foundations as well as roof and ground drains. The weather can change so quickly that we easily could see one of our next storms dropping rainfall instead of snow.Even if you have flood insurance, there are strict criteria that need to be met for a claim to be paid.
Flooding: Most Homeowner’s Policies Have Limitations or Do Not Cover Damage Due to Water Coming From Outside the Building Structure
We also are concerned that freezing and thawing can create ice dams on your roof as well as create unusual snow loads that can lead to the collapse of buildings and decks. We suggest that snow should be removed to the best of your ability OR hire someone to do the work for you.
When raking snow from your roof:
Avoid all power lines
Create a packed path or use your snow blower to make walking around your house easy and on even footing
Rake at least three to four feet above the roof edge
To avoid damage, don’t rake down to the shingles; just get the heavy load off the roof
Be careful not to drop heavy loads on top of yourself
Get the fallen snow away from your foundation if it is particularly deep
If you have damage from an ice dam, install a broader shield under your shingles now or when you re-roof.