While flooding is not something that always happens in Iowa, there is a potential for it periodically. When floodwaters come through, you want to make sure that your home or business is protected. Below are the benefits of supplementing your current insurance policies with flood insurance through Butterbaugh Insurance Center.
What Causes Flooding?
Flash flooding from extensive storms in the area can cause flooding to happen in certain areas of Iowa. Getting too much rain too fast without anywhere to go can have areas that have never flooded, experience flooding waters for the first time.
When floodwaters come through your property, you are guaranteed to have structural damage to some level. The most expensive area to renovate, the foundation is subjected to water damage before other areas of your property. Without flood insurance, your standard home or business insurance will not cover these damages and you would be responsible for the costs.
Within the structure is personal property or business property that could be ruined by rushing and rising waters. With flood insurance, these items could be replaced with items of equal value so that you can get your home or business back to normal as soon as possible. For homes, this property includes:
- and others.
For business properties, this includes:
- Appliances if necessary
These costs can add up quickly and without flood insurance could force businesses to close their doors. Operating systems such as the HVAC system and furnaces in the basement also suffer damage and need to be replaced while the structure is being renovated. These systems are found in both homes and businesses across Iowa.
Add Flood Insurance Today!
If you currently have a home or commercial insurance policy, make sure to supplement these policies with flood insurance to give you the extra protection that you need. Our agents at Butterbaugh Insurance Center are ready to assist you today.