{"id":138,"date":"2025-05-30T04:00:00","date_gmt":"2025-05-30T10:00:00","guid":{"rendered":"https:\/\/www.homeownersig.com\/blog\/?p=138"},"modified":"2025-05-22T13:09:05","modified_gmt":"2025-05-22T19:09:05","slug":"three-disasters-you-can-avoid-with-flood-insurance-add-ons","status":"publish","type":"post","link":"https:\/\/www.homeownersig.com\/blog\/three-disasters-you-can-avoid-with-flood-insurance-add-ons\/","title":{"rendered":"Three Disasters You Can Avoid with Flood Insurance Add-Ons"},"content":{"rendered":"<h2>Consider These Add-Ons if You Live in a Flood Area<\/h2>\n<p>At Homeowners Insurance Group, we have seen far too many Scottsdale, AZ homeowners be left with thousands of dollars in damages because they weren&#8217;t adequately covered against flood damage. People often underestimate the disastrous damage that can occur if their house floods. Flood recovery takes a lot of time and money. Consider these insurance riders if you want to protect yourself properly against the next flood in your area.<\/p>\n<h3>1. Replacement Cost Coverage<\/h3>\n<p>In most cases, the insurance company will pay you the actual value of an item that gets destroyed during a flood. This seems good, but the replacement cost is often more than the actual value of the belonging you are attempting to replace. Make sure you insure any valuable items in your house for the full replacement cost. It&#8217;s well worth it.<\/p>\n<h3>2. Temporary Living Expenses<\/h3>\n<p>You may have to move out of your house and into temporary housing if your home floods badly enough. You could be on the hook for the entirety of this cost if it isn&#8217;t reflected in your home insurance policy. If you live in an area with a high risk of flooding, be sure to include this add-on in your policy.<\/p>\n<h3>3. Sewer Backup<\/h3>\n<p>Flooding isn&#8217;t just caused by weather. It can also be caused by faulty plumbing or sewage backup. This isn&#8217;t just disgusting to think about. It&#8217;s also very costly. Make sure this is included in your flood insurance plan. If you don&#8217;t, you could be left with a very expensive mess in your basement.<\/p>\n<p>At Homeowners Insurance Group, we strive to ensure that each of our Scottsdale, AZ clients is covered adequately against flooding in their homes. If you want to ensure you have the proper coverage, contact us today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Consider These Add-Ons if You Live in a Flood Area At Homeowners Insurance Group, we have seen far too many Scottsdale, AZ homeowners be left with thousands of dollars in damages because they weren&#8217;t adequately covered against flood damage. People often underestimate the disastrous damage that can occur if their house floods. Flood recovery takes [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[14,11,9],"class_list":["post-138","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-flood-insurance","tag-homeowners-insurance-group","tag-scottsdale-az"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"Consider These Add-Ons if You Live in a Flood Area At Homeowners Insurance Group, we have seen far too many Scottsdale, AZ homeowners be left with thousands of dollars in damages because they weren&#039;t adequately covered against flood damage. People often underestimate the disastrous damage that can occur if their house floods. 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