Tagge Insurance - Springfield, MO

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Tagge Insurance
5336 S Campbell Ave Ste 200
Springfield, MO 65810
Phone: 417-889-4663
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Do I Need Flood Insurance?

March 16, 2017 By Ron Tagge

Downspout spilling out water

As residents of Missouri, we know all too well the extent to which flooding can damage property. In the spring of 2011, billions of dollars in damages were incurred after record snowmelt, severe weather, and flash flooding destroyed many homes and businesses. It was a flood like few had ever experienced before, and it could happen again. Of course, it does not take a flood of this size and scope to cause serious damage. Smaller floods – the kind that leaves just a few inches of water in your home – can cost tens of thousands of dollars in repair and cleanup costs. Would you be prepared for such an event?

How to Protect Your Home against Flooding

You may not be able to stop water from coming into your home, but there are steps you can take to ensure you do not suffer a major financial loss in such a scenario. Your homeowners insurance will not cover you for flooding. However, you can get flood insurance through the National Flood Insurance Program, or NFIP.

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NFIP coverage exists to protect homeowners and renters from the exorbitant costs of flooding. You can purchase coverage for your home and its contents or just for your personal belongings if you are renting. The price you pay for coverage will be largely dependent upon your risk of future floods.

NFIP uses FEMA flood maps to determine if you live in a high-risk area. Those in low to moderate-risk areas often qualify for preferred policies at affordable rates that pale in comparison to the cost of flood damage remediation.

According to the NFIP, the average flood insurance premium in the U.S. is just $700 per year (though it can be much lower than that). Compare that to the average 2015 flood insurance claim — $43,000 – and choosing to protect your home against flood damage seems like an easy choice. The coverage has a 30-day waiting period before it becomes effective, though, so do not wait to contact our office about flood insurance coverage.

Other Water Damage Protection

Having homeowners insurance and flood insurance may still not be enough to fully protect you against water damage in your home. Besides flooding, water can also creep into your house through faulty appliances, burst pipes, overflows, and accidents that result in the sudden discharge of water.

Your homeowners insurance typically covers events such as burst pipes and overflows, so long as they are not the result of poor home maintenance or neglect. However, there is one type of water damage that is usually excluded from home insurance coverage: sewer and water backup.

The drainage lines that carry waste away from your home and into the main sewer line can sometimes become clogged or damaged. This can occur as a result of materials that do not properly break down in the drain line, invasive tree roots that grow into your pipelines, or even a deteriorated pipeline that has begun to erode or collapse.

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A blocked sewer line can cause raw sewage to backup into your home, causing damage to your house and personal belongings. Fortunately, you can protect yourself against this type of loss is by contacting an agent at our office about adding a sewer and water backup endorsement to your insurance policy.

A water backup endorsement is very affordable and can give you peace of mind that you are covered against what the Insurance Institute for Business and Home Safety calls a top five cause of water-related loss

Do you have coverage for floods and backups?

Filed Under: Home

Questions?

Insurance can be confusing at times and everyone's needs are different. If you have questions regarding coverage, pricing, or anything else related to insurance, send us an email or give us a call.

If you'd like to get a free, no-obligation quote, all you have to do is ask!

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About Ron Tagge

Ron Tagge is the Owner of Tagge Insurance in Springfield, Missouri. Ron can be reached at 417-889-4663.

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Ron has insured me, my family, my company and many of my friends. He will take care of you! Just say…

Richard Gammill

Ron Tagge has been handling various insurance needs for me since 1991. That should say it all. Afte…

Bob Nichols

Ron Tagge has been my agent for my home, auto, and life for the past ten years. This man’s dedicatio…

Eric Summerville

Flood issues are never fun to deal with. While our home did not experience flood damage during the c…

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Ron and his team have been terrific to work with as we have adjusted our insurance needs. The experi…

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Very helpful saved me about $400.00.

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Ron Tagge has been my insurance agent for home and auto since I moved to Nixa in 2014. A friend of m…

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Tagge Insurance is very professional and detail oriented. Great company to help you with insurance n…

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Ron Tagge has taken care of my family’s insurance needs for many years. He was there personally when…

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Ron helped us get a good deal on General Liability Insurance for our new business in Branson in 2016…

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Tagge Insurance
5336 S Campbell Ave Ste 200
Springfield, MO 65810
Phone: 417-889-4663

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