Flood Insurance in Healdsburg, CA
Floods may not always be the first thing that comes to mind when picturing life in California. However, after a wildfire, residents of California may experience a higher risk of floods occurring. After a fire, vegetation that normally absorbs rainfall and reduces runoff has been burned away, and water flows freely. Flood risk remains significantly elevated until vegetation is restored, which can be up to five years after a wildfire occurs.
FEMA Flood Insurance Quotes in Healdsburg and Santa Rosa, CA
Once the flood policy is in place, if a flood occurs, much of your home and its contents is protected. Flood insurance building property coverage encompasses the building, its foundation, heating and cooling systems, and permanently installed carpeting, shelving, and cabinetry. It will also even help cover the cost of debris removal. Flood insurance personal property coverage protects much of what’s in your home, including appliances, personal belongings, and even food.
Adding Flood Insurance to Your Home Protection Program
A standard homeowners policy does not cover flood loss. Flood insurance needs to be purchased in addition to the policy that covers your home. Flood insurance policies at Gondola-Kinne Insurance Agency, Inc. are written through FEMA, the government’s flood insurance provider. Coverages are available to many California homeowners. Speak with one of our agents to learn about your eligibility for this program. Our agents can help you determine whether or not you’re in a flood zone, what level of risk you may face, and can help you learn what flood insurance policies will cover.
Comparing Flood Insurance Rates
While flood insurance rates are fixed by FEMA, agents at Gondola-Kinne Insurance Agency, Inc. can help you choose appropriate deductibles, which will affect the overall cost of the policy. Our agents are familiar with flood risk and loss in Santa Rosa and surrounding areas, and as a result are qualified to help you determine deductibles and customize your flood policy as much as possible.