When it comes to natural disasters, floods can cause extensive damage to homes and personal property. While homeowners insurance may provide some coverage for floods here in the Mapleton, UT area, it is essential to understand what type of flood protection your policy offers. At Maple Mountain Insurance Services, we are here to help.

Most homeowners insurance policies do not cover damage caused by flooding or rising water resulting from a storm or severe weather event. If your home and belongings are damaged due to a flood, you may be held responsible for the cost of repairs or replacements. 

However, there are several ways you can protect yourself from this risk. The most common is through the purchase of flood insurance. While most policies will not cover the flooding caused by heavy rains or storm surges, they will provide financial assistance in the event of flooding caused by melting snow or overflowing rivers. Additionally, many lenders now require borrowers to purchase separate flood insurance if they live in an area considered prone to flooding. 

It’s important to review your homeowner’s insurance policy carefully and become familiar with its limitations when it comes to flood coverage. Taking this precautionary step can help save you money and stress if your home becomes flooded due to bad weather conditions in the future.

For more information, or if you want to explore a flood policy in addition to your homeowner’s policy, give us at Maple Mountain Insurance Services a call today. We are proud to serve the Mapleton, UT area and would be glad to help you find a policy that meets your needs and budget.