Floods Why Did Maggie Not Have Flood Insurance coverage are one of the crucial damaging pure disasters and might trigger great harm to houses and companies. Sadly, Maggie Smith, a home-owner within the Midwest, had no flood insurance coverage when her residence was just lately flooded. Whereas it was an especially tough state of affairs for her, understanding why she didn’t have flood insurance coverage is necessary for all householders. On this weblog submit, we are going to discover the explanation why Maggie didn’t have flood insurance coverage and how one can shield your self from floods sooner or later.
As Hurricane Harvey brought on catastrophic flooding in Houston, many individuals had been left questioning why some residents didn’t have flood insurance coverage. Whereas householders insurance coverage covers harm from wind and hail, it usually doesn’t cowl flooding. With a purpose to be lined for flooding, householders should buy a separate coverage or endorse their current coverage to incorporate flood protection.
In accordance with the Nationwide Flood Insurance coverage Program (NFIP), solely about 12% of householders in Harris County, the place Houston is positioned, had flood insurance coverage. That is doubtless as a result of most individuals don’t reside in high-risk flood zones and consider that their residence shouldn’t be in danger for flooding. Nevertheless, as Hurricane Harvey has proven us, any residence will be in danger for flooding no matter its location.
In the event you reside in an space that’s liable to floods, it is very important buy flood insurance coverage so that you’re protected within the occasion of a catastrophe. Flooding could cause intensive harm to your property and belongings, and it may be very costly to restore with out insurance coverage. Even when you don’t reside in a high-risk space, it’s nonetheless a good suggestion to buy flood insurance coverage as it’s comparatively cheap and will prevent some huge cash in the long term.
The Aftermath of Hurricane Harvey
Within the aftermath of Hurricane Harvey, many individuals are left questioning why Maggie didn’t have flood insurance coverage. Whereas it’s true that flood insurance coverage shouldn’t be required in all components of the nation, it’s positively one thing that must be thought of when you reside in an space that’s liable to flooding. For Maggie, the price of rebuilding her residence and changing her belongings shall be a lot larger than if she had been correctly insured.
Within the wake of such a catastrophe, it is very important take inventory of what you may have and what you want. If you end up in the same state of affairs to Maggie, ensure that to contact your insurance coverage agent as quickly as attainable to see what choices can be found to you.
Maggie by no means thought she would want flood insurance coverage. She lived in a small city within the Midwest that was not liable to flooding. Then, one evening, she awoke to seek out her residence and all the pieces she owned submerged in water. Her city had skilled a 100-year flood occasion and Maggie was left with nothing.
If Maggie had had flood insurance coverage, she would have been capable of rebuild her residence and change her possessions. Because it was, she was left with nothing however the garments on her again. She was pressured to maneuver in with relations and begin over from scratch.
Maggie’s story is a cautionary story concerning the significance of flood insurance coverage. Simply since you reside in an space that isn’t liable to flooding doesn’t imply that you’ll by no means expertise a flood. Floods can occur wherever, at any time, and so they can destroy all the pieces you personal. In the event you don’t have flood insurance coverage, you could possibly be left destitute if a flood ever hits your space.