Cover your property with flood insurance in Lombard, IL.

From too much rainfall to a backed up sump pump, water damage caused by flooding isn’t pretty. You may have insurance, but it may not give you sufficient coverage. Most homeowners insurance policies do not provide you with any flood coverage. Forget about all your reservations about purchasing flood insurance in Lombard, IL and check out these myths about flood insurance. They may just help you protect your home.

Myth: Flood damage is covered by my homeowners insurance.

Fact: Home insurance has limitation. In fact, there are lots of natural disasters that aren’t covered by your homeowners insurance. From floods to earthquakes, additional coverage is needed to protect your property. Most homeowners find this out once it’s too late. Make sure you’re covered and take out a separate policy.

Myth: Flood insurance is only for those who live in flood plains and high-risk areas.

Fact: The truth is that there’s no such thing as no risk. Everything has a potential risk. Even if you don’t live in a flood plain or high-risk area, it’s still a good idea to be protected. Additionally, flooding can be caused by failed sump pump or other non-disaster causes. Make sure you have adequate coverage for your protection.

Myth: I’ve already experienced flood damage. I’m not eligible for coverage.

Fact: If you’ve already experienced flooding once before, you’re required to purchase flood insurance. Back in the day, it was near impossible to get flood coverage. However, since the implementation of the National Flood Insurance Program, it’s much easier to get coverage. Be sure to get the coverage you need.

Myth: Flood insurance is only for homeowners.

Fact: Flood insurance is for everyone. Whether you’re a homeowner, renter, or business owner, flood insurance can make all the difference.

Find the right flood insurance in Lombard, IL with the right help. Contact the professionals at Steve Wilk Insurance Agency for assistance finding the best insurance for your lifestyle. Located in Illinois, we serve all your personal and commercial insurance needs.