The area where I live is usually gets average weather. We never have any days in the summer that are extremely hot, and our winter days never dip below the freezing point. Our rain is also pretty normal. That is, it was pretty normal, until one day a month ago, a really bad rain storm happened, which caused a really bad flood. My home is located at the bottom of a hill, so it got the worst of the damage from the flood. Since the weather is usually normal, I didn't think I would need flood insurance, but I was caught off guard this time.
My normal home insurance didn't cover the flood damage, which left me at a big disadvantage. I had to pay for the cost of repairs out of my own pocket, and the bill was no joke. I had some money saved for a rainy day, and coincidentally, I actually had to use it because of a rainy day. The repairs depleted most of my savings, leaving me to start all over again. After that incident, I decided that I wouldn't be caught off guard again, and started looking for flood insurance.
I found a plan that would cover my home on the Internet. I don't know when any severe rainstorms will be coming back to my area, but if they do, I will be prepared. Maybe I can put out some sand bags to prevent the water from rushing into my home. The flood has left me a little bit paranoid, because I'm afraid that something else may come and destroy my home, like an earthquake. There isn't a history of earthquakes being in this area, so I don't think I'll need that insurance, but just to be on the safe side, I'll look for a provider anyway.Read more [...]