When most people think of a flood, they might recall major events like Hurricane Katrina or Hurricane Sandy. These massive storms caused billions of dollars in damage. However, most floods result from less catastrophic situations. In actuality, the damage caused by a few inches of standing water can reach tens of thousands of dollars.

If you’re seeking flood insurance in Dunlap, Hecht-Stout Insurance Agency has you covered. Did you know that every house in the country is in a FEMA flood zone? Some zones are more prone to flooding than others.

In most cases, there is a 30-day waiting period when you purchase flood insurance, so don’t wait until it’s too late!

Flood insurance must be purchased separately, whether you live in Dunlap, or any other part of Illinois. It is not included in homeowners insurance.

Your flood insurance policy may also cover your efforts to remove debris, move furniture, and sandbag your house.

Your mortgage lender may mandate that you obtain flood insurance if you reside in a specific flood zone. Flood insurance is optional but recommended if you live outside a high-risk zone or have no mortgage.

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.