Flooding is a genuine risk in the state of Ohio and throughout the city of Loveland, thanks to its location by the Ohio River. The Ohio River is a significant river artery in this part of the United States. Residents of Loveland rave about the river’s beauty and love the access to all of the fun water activities it provides, but it floods. With the inevitable heavy rains of this area, we cannot emphasize enough how important it is to have flood insurance to protect your home and property.
Whether you are a homeowner or a renter, flood insurance applies to anyone living in a flood zone area in the United States. When you read the fine print, renter and homeowner insurance policies usually do not cover natural disasters such as floods, so understanding what additional policies are available is critical. Flood insurance is designed to protect against damage to the physical structure of your house, and it also protects your belongings.
Regardless of whether it’s a few inches or multiple feet, water itself causes significant damage to wood, plaster, and any exterior and interior material of a home. Many items in a flooded home are not just damaged - they are ruined and need a full replacement. Floodwaters also bring debris of all shapes and sizes and a whole set of unspeakable and indescribable organic material that is nearly impossible to clean.
Flood insurance saves people a huge amount of out-of-pocket expenses for replacing items lost and fixing structures. So, if you do not have flood insurance or if you are shopping around for new flood insurance, we can help.
At McCluskey Insurance Services LLC, we want to make sure you’re prepared for a natural disaster like a flood and that your property is protected. We’re here to help Loveland, OH residents think through what type of coverage they need and make the right flood insurance policy decision. Give us a call or stop by our office for more information and talk to an agent.