Flood Insurance in Michigan

If you’ve never seen a vast puddle in your yard, it’s possible to assume your home won’t get flooded. However, according to FEMA, 99% of counties in the US are affected by flooding between 1999 and 2019. Unfortunately, many Michigan residents don’t have flood insurance. Others fail to buy because they assume their homeowner’s insurance will cover the damage.

At Halabicky Insurance Group in Brighton and Imlay City, we encourage our customers to get flood insurance and explain why home insurance doesn’t cover damage caused by flood water. In this post, we will discuss what flood insurance is and what it covers.

What is Flood Insurance?

Flood insurance is a type of property insurance that protects your home and its belongings from damage caused by flooding. Flooding can result from melting snow, levee dam failure, coastal storm surges, prolonged rain, or blocked storm drainage systems. Home insurance covers water damage, not due to flooding, such as a burst pipe. That means you need to buy this separate policy to protect your property.

How Flood Insurance Works?

Flood insurance usually works based on your risk level. Generally, if you live in a high-risk flood area, you will pay more as your chances of filing a claim are higher. You must get special insurance if you live in areas prone to flooding in Michigan. If your property or belongings are damaged by flooding, you receive cash for the money required to rebuild or repair the damage.

What Does Flood Insurance Cover?

Unlike home insurance, flood insurance covers two specific things in your home: contents and dwelling. It covers the cost of the following:

  • Removing debris
  • Drying out, cleaning, and restoring fixtures
  • Replacing and repairing damaged belongings
  • Alternative accommodation when you can’t live in your home.

Get Your Policy Today

Remember, flood insurance has a waiting period in which you may not get compensated if flooding occurs during the waiting period. To learn more about flood insurance in Brighton, Imlay City and surrounding areas, contact us at Halabicky Insurance Group today.