Residents who live in North Miami Beach, FL need to consider the benefits of having flood insurance added to their existing homeowner’s policy. The agents of Assure Us can identify your potential need for flood insurance and offer sound advice on the type of policy you should invest in. Floods can occur as a result of severe storms or damaged sewers and pipelines. It’s important to make sure you are fully protected from both types of water damage.

Living Near a Floodplain

If you live in a home that is near a river or within close proximity of a large body of water, you are considered to be in a floodplain. Most floodplains include low-lying areas where water can accumulate and eventually flow around and into homes. Even living near a floodplain can dramatically increase the risk of your home or business being flooded by severe storms or drainage backups.

The Benefits of Flood Insurance

In most states having flood insurance is optional. While it is often an "add-on" policy, the benefits of having a good flood insurance policy can be a lifesaver if you live near hurricane-prone areas or rivers that are likely to flood when heavy rains are possible. The additional cost of having flood insurance added to your policy is a minimal amount compared to what it will cost to rebuild if you suffer extensive damage. 

The agents of Assure Us agency can help the residents of North Miami Beach, FL determine their potential flood risk. Knowing what the risk is for potential flood damage will help them to determine how much flood insurance they need to protect their homes and businesses. Call and schedule an appointment today with an agent to make sure you have the right type of insurance for the area in which you live.