Flood insurance is an essential consideration for any property owner in Utah. Standard homeowner's insurance policies do not cover flood damage, so it is vital to purchase a separate policy if you live in an area at risk for flooding.
Flooding Hazards in Utah
Flooding is one of the most common and dangerous natural disasters in the state of Utah. Heavy rains can quickly fill rivers and streams, resulting in flash flooding. Floodwaters can rise rapidly, knock people off their feet, sweep away vehicles, and damage homes and businesses. Flooding can also cause injuries and even death.
Floods can even affect desert areas. This is because rain can cause rivers to overflow, and the water can travel to ordinarily dry locations. The water can damage homes, roads, and other infrastructure.
Planning for a Flood
If you live in an area prone to flooding, it is essential to be prepared. Purchase flood insurance to protect your home and belongings. Keep a supply of food and water on hand if you are stranded. Charge your phone and have a list of emergency numbers handy. Know your evacuation route and have a plan in place.
Purchasing Flood Insurance in Utah
Flood insurance isn't typically included in a home insurance policy because it's considered a high-risk event. Home insurance policies usually cover low-risk events, such as fires and wind damage. Floods can cause a lot of damage to a home, so they're considered high risk. That's why most home insurance policies don't cover floods. If you live in an area prone to flooding, you may want to purchase a separate flood insurance policy to protect your home.
If you're looking for flood insurance in Utah, look no further than In-House Insurance. We're a provider of flood insurance in the state and are here to help you get the coverage you need. Give us a call today to learn more about our policies and how we can help you protect your home or business from flood damage.