By Jasna.Nenezic on Sep 9, 2011 in Featured, Insurance
Recently, state Governor Pat Quinn declared three counties disaster areas, as many homeowners that do not have Illinois flood insurance are still struggling to salvage some of their possessions and rebuild their homes.
Unfortunately, some people were surprised to find out that their Illinois home insurance did not cover damage caused by the flashfloods that occurred in late July in northwest regions of the state. While a homeowners policy is essential because it covers a wide range of damage and accidents that many homeowners are likely to experience at some time, there are several notable reasons why is it important to obtain separate flood insurance.
Homeowners insurance does not account for damage that is caused by natural disasters, but flood policies cover water-related destruction that occurs to the walls, foundation and other fixtures of a house. In addition, Illinois flood insurance will pay for electrical, plumbing and heating systems that were broken during a flood, as well as debris removal.
When water surges into a home or business, it is likely that personal items will float away with it. While the loss of these little items may pale in comparison to more significant home damage, the cost of replacing them can certainly add up. This is why flood insurance covers appliances, furnishings and clothes.
It doesn?t take much for a basement to flood. Although the contents of this area are not covered by flood insurance, the actual structure itself is. Therefore, insured individuals do not have to worry about their home crumbling from the ground up if they cannot afford to make essential repairs.
Many local homeowners who experienced serious flood damage would agree that it?s better to be safe than sorry. Flood insurance is even recommended for people who live in areas that are not considered to be at high risk for flooding. The local agents at Lenert Insurance Group can offer professional advice to individuals who want to add flood coverage to their Illinois home insurance policy.
About Lenert Insurance Group:
Since 1985, Lenert Insurance Group has operated as a full service, independent Illinois insurance agency.
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