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Brownsburg, IN 46112

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What Flood Insurance Covers (and Why You Need it in Brownsburg, IN)

What Flood Insurance Covers (and Why You Need It)

If you own a home, you probably have a homeowner’s insurance plan that will protect you from a variety of events. If a fire breaks out and burns down your home, for example, your insurance plan will likely cover the damage and pay for repairs and construction.

That said, a basic homeowner’s insurance plan typically does not cover flooding. If your home is damaged during a flood, your insurance provider may not cover the damage and repairs. By purchasing flood insurance, however, you’ll typically be covered should a flood occur.

Let’s take a look at why flood insurance is vital for most, if not all, homeowners. If you have questions, contact the Grove Insurance Agency, which serves Brownsburg IN, and other locales.

Why Flood Insurance is Vital For Homeowners

Flooding can cause massive damage to your home. Even a few inches of floodwater can cause massive amounts of damage. If water enters your home, it could ruin your drywall, cause wood framing to rot, and may destroy your electrical system, among many other things.

Flooded homes are often condemned, torn down, and rebuilt. Even if your home looks fine to the naked eye, it may be damaged beyond repair. Mold may be growing within the walls and electrical wiring may be breaking down, creating fire hazards, among other things. If your foundation or load-bearing structures are damaged, your home might even collapse.

Often, it’s best to simply start over. With flood insurance, you can do just that. Your flood insurance provider will reimburse you for the damage caused to your home. You may be able to use this money to tear down your old house and to build a new home comparable in size and quality.

If you don’t have flood insurance, you likely won’t be reimbursed. Instead, you’ll have to pay for everything out of pocket. Unless you’re wealthy, this may not be financially feasible.

Contact the Grove Insurance Agency, which serves Brownsburg, IN and other areas nearby, to learn more about flood insurance.