HomeimgFlood Insurance

What many homeowners do not know and NEED to: homeowner’s insurance doesn’t typically cover flood damage.

This is unfortunately something that many homeowners discover after a flood because they weren’t asked the right questions by their insurance agent. This isn’t the case at Brighton Insurance & Financial Services. Proudly.

We are well aware that flooding is ranked the NUMBER ONE natural hazard in the United States, and, worse, it occurs in and causes incredible damages in all fifty states. So we naturally ask all homeowners and condo/townhouse owners while they are shopping for their homeowner policy or condo policy about flood insurance.

Think storm protection, not just flood protection.

Michigan flood insurance provides the necessary protection from destruction and financial devastation caused by floods. Just a few inches of water can cause serious damage resulting in thousands of dollars in repair and restoration costs. So a “flood” must be realistically considered by property owners as any amount of water that can do at least that much damage. Thankfully, flood insurance offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.—allowing you to proactively safeguard your home and possessions.

There are different types of Michigan flood insurance policies that are available. They differ based on your property’s location and flood history:

Standard Flood Insurance Policies

If your community participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by standard flood insurance. To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy. Don’t worry, we will discuss the details of overlap and non-overlap in the coverages.

Preferred Risk Flood Insurance Policies

If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. You aren’t required to purchase flood insurance, but Michigan residents in low-to-moderate risk areas really should consider a preferred risk policy which will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. More flood insurance claims than you would think occur in low-to-moderate risk areas.

Think about this topic before you are suffering the damages of flooding. We’ll do our best to bring the topic of this coverage to your attention before it’s too late, especially if you are shopping for homeowner’s insurance or condo insurance, etc. If you would like to give yourself some peace of mind when it comes to protecting your home and belongings from flooding, we promise to make it as easy as possible to find a policy that will cover you to the extent that you need. From covering overall structural losses to your personal property, just contact Brighton Insurance & Financial Services today by phone ((810) 229-1820) or via email, and we’ll get the ball rolling as quickly as possible.

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Our Companies

Brighton Insurance & Financial Services represents the following companies and urges you to click on their respective links to investigate for yourself how solid and high-quality they are. That is why we proudly carry them and offer their products to our clients.