Flood Risks and Insurance
Flooding in Southern California is far more common than most people think. A hurricane is not required to cause substantial flood damage. A broken high pressure sprinkler line near your home, or a clogged irrigation drain combined with a major rain can easily result in one inch of water in your home. One inch of water can destroy hardwood floors, built in cabinets, carpet pads, baseboards, drywall, door trim, furniture and more resulting in thousands of dollars in damage not covered by ordinary homeowner policies. In addition, there may be hotel bills, restaurant bills, and storage costs incurred as a result of your being forced to vacate while the property is being repaired. The way to protect yourself is with flood insurance which is relatively inexpensive. An independent insurance broker can provide you with a quote.