{"id":402,"date":"2022-01-10T04:00:00","date_gmt":"2022-01-10T04:00:00","guid":{"rendered":"https:\/\/www.duganins.com\/blog\/?p=402"},"modified":"2022-01-08T01:39:07","modified_gmt":"2022-01-08T01:39:07","slug":"is-flood-insurance-mandatory-in-oregon","status":"publish","type":"post","link":"https:\/\/www.duganins.com\/blog\/is-flood-insurance-mandatory-in-oregon\/","title":{"rendered":"Is Flood Insurance Mandatory in Oregon?"},"content":{"rendered":"<p>This might be a story you have heard before &mdash; floods damaging someone&rsquo;s home, only for them to find out that home insurance doesn&rsquo;t cover the damage! At Linda Dugan Insurance, we wouldn&rsquo;t want you to go under the same predicament. We like to educate clients about the potential risks they face and offer them insurance solutions. Today, let&rsquo;s look at flood insurance.<\/p>\n<p><strong>Flood insurance in Oregon<\/strong><\/p>\n<p>It&rsquo;s natural for anyone to ask for the state&rsquo;s requirements before making most decisions.&nbsp; In line with this, many clients usually ask us whether flood insurance is required in Oregon. The short answer is no &mdash; no Oregon law requires you to carry flood insurance.<\/p>\n<p>However, if your home is mortgage-financed, the lender may require you to purchase flood insurance if you are located in a flood-risk area. And even when you are located outside a flood zone, the lender can still insist you purchase flood insurance.<\/p>\n<p><strong>Why do you need flood insurance?<\/strong><\/p>\n<p>At Linda Dugan Insurance, we usually advise our clients to purchase flood insurance whether it&rsquo;s mandatory or not. Why? You may ask. Flood insurance is a must-have investment because:<\/p>\n<ul>\n<li>Home insurance doesn&rsquo;t cover flood damage &mdash; yes, you may have home insurance, but it won&rsquo;t protect you against floods.<\/li>\n<li>Floods can strike anywhere &mdash; you don&rsquo;t have to live near a water body for floods to strike. Because of rains, flash flooding can occur anywhere, and that&rsquo;s why you need to be armed with flood insurance all the time.<\/li>\n<li>Grants aren&rsquo;t always given &mdash; it&rsquo;s wrong to assume that the government will intervene whenever there is a flood. This doesn&rsquo;t always happen, and even when floods are declared an emergency, you are given grants that you will pay back with interest.<\/li>\n<\/ul>\n<p>Looking for flood insurance in Astoria, OR? Would you please look no further than Linda Dugan Insurance? Contact us today for a favorable quote.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This might be a story you have heard before &mdash; floods damaging someone&rsquo;s home, only for them to find out that home insurance doesn&rsquo;t cover the damage! At Linda Dugan Insurance, we wouldn&rsquo;t want you to go under the same predicament. We like to educate clients about the potential risks they face and offer them [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[49,45],"class_list":["post-402","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-astoria-or","tag-linda-dugan-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/posts\/402","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/comments?post=402"}],"version-history":[{"count":1,"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/posts\/402\/revisions"}],"predecessor-version":[{"id":403,"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/posts\/402\/revisions\/403"}],"wp:attachment":[{"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/media?parent=402"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/categories?post=402"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duganins.com\/blog\/wp-json\/wp\/v2\/tags?post=402"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}