According to the statistics published in the Environmental Research Letter, approximately 41 million Americans live in flood zones. Therefore, having flood insurance is important – it protects a property, house, and all the belongings. However, before purchasing flood insurance, there are certain things you should know: 

• Waiting period.  There is a 30-day waiting period after the purchase of insurance before it kicks in. Therefore, it is not recommended to wait until the storm season comes. You should purchase it as soon as possible, primarily if you are located in a flood-prone zone. 
• Standard home insurance does not cover damages caused by floods.  Many homeowners decide to skip flood insurance because they believe that their homeowners’ insurance covers damages caused by water. Unfortunately, it is not valid. A standard home insurance policy might cover damages from a busted pipe, but it will not cover water coming from outside into a house. 
• Businesses need flood insurance too.  If you run a business, you may have expensive and valuable technology, equipment, and furniture. Therefore, it is recommended for all business owners to have commercial flood insurance too. 
• There are two ways to get flood insurance.  You can either find a flood insurance policy with the help of one of the insurance companies or purchase it through the National Flood Insurance Program (NFIP). 

If you are a resident of Mapleton, UT, you may think that you do not need flood insurance. However,  the statistics say that between 40 and 100 floods are occurring in the Utah area every year. If you decide to get this type of insurance to protect your property and belongings, Maple Mountain Insurance Services is ready to help. Maple Mountain Insurance Services is an independent insurance agency dedicated to treating its customers in the most professional manner. Do not hesitate to contact our office to find out about affordable and reliable insurance coverage available.