In the wake of catastrophes, there is normally a dramatic rise in claims, and it is often not until then that certain limitations of coverage become apparent to many insureds, presenting them with a difficult challenge. In times such as these, one disappointedly comes to the realization how important it is to select the right homeowner insurance. Without it, you may not be able to restore your home to its original beauty or receive adequate reimbursement in the event of a claim.

As there is no way to forecast natural disasters such as hurricanes and earthquakes, it is most important to be prepared for such catastrophes. And making sure you are properly covered is a way to do so. A Manry Rawls Personal Insurance Consultant will review your current insurance policy and living environment to help you determine the best options to help you plan for the unforeseen.

Powerful storms can lead to flooding, even for individuals who do not live in a designated flood zone. That is why flood insurance is an important consideration for all homeowners. Homeowner policies specifically exclude damage resulting from flood. However, flood insurance is available through the National Flood Insurance Program at an affordable premium cost. In addition, excess flood insurance is available for those individuals who need more coverage than that offered by the National Flood Insurance Program. There is a 30 day waiting period for the coverage to become effective.

Despite precautions, you still may incur a water damage loss. Fortunately, your Manry Rawls Personal Insurance Consultant can help advise you through the claim process. We also offer coverage for flood and backup of sewers and drains, both common causes of water damage.