Many people don’t think about flood insurance until it’s too late. Did you know that flooding isn’t covered by the typical homeowners policy from Los Angeles insurance companies? What other misinformation is out there? Have a look at these two myths about flood insurance debunked.

You Only Need Insurance in High-Risk Areas

Whether you live in a floodplain or not, flooding can happen. While it’s less likely outside of the plain, you don’t want to be caught unawares. Flooding can cause an extreme amount of damage to your home causing you to tear apart everything down to the beams and rebuild. You don’t want to have to pay for that out of pocket. Always weigh the dangers and consider purchasing this additional insurance.

Water Damage Is All the Same

When it comes to insurance, the type of water damage matters. If you have a faulty roof and water comes in during a storm, that would be covered by homeowners insurance. However, Los Angeles insurance companies will not cover an overflowing river without a flood policy. If your water is caused by a pipe backup, you’ll need to check your standard policy and see if it’s covered. Some homeowners insurance includes it, while others don’t.

You’ll want to be sure you have flood insurance in place before the unthinkable happens. Paying for flood costs out of pocket can be expensive or even impossible, causing you to lose your home. Buying a specific flood policy can help your family regain normalcy after a natural disaster.