What Oregon Residents Need to Know About Flood Insurance This Spring

Flood insurance is something that many homeowners don’t think about until it’s too late. If you are a resident in the greater Astoria, OR area and would like to learn more about your flood insurance options, the team at Linda Dugan Insurance is here to help. Most home policies do not provide coverage from flood or other water damage, and it is important to understand exactly what protection your primary policy provides. Don’t be left wishing that you had comprehensive flood coverage after the damage is done!

Understanding Flood Insurance

This spring is a perfect time to review your current insurance policies and fill in any gaps that may be present. Many homeowners overlook flood insurance when building their portfolios. If you are in a flood zone, your mortgage holder will likely require a certain level of protection, but there are reasons for everyone to hold some amount of flood coverage. Water damage from flood waters can hit even if you aren’t in a flood zone, especially when there are heavy downpours that cause flash floods. If you aren’t sure exactly what type of coverage is right for your location, it makes sense to meet with a professional agent and learn more about your available options. 

Water damage can be difficult to clean up, and the ongoing damage can be severe. There are instances where flood waters can cause mold, mildew, and other unwanted situations. With the right policy, your family will be protected.

Flood insurance is something that you may not ever use but can really make a difference those times when you do need it. Astoria, OR residents are encouraged to contact Linda Dugan Insurance today and find out more about the flood insurance coverage options that are available.