Why You Need Flood Insurance in Connecticut

When dealing with the heavy rain and melting snow in Connecticut year after year, consider whether you need flood insurance seriously. Although you cannot predict the weather, you can always protect yourself and your belongings by getting this kind of insurance along with your homeowner’s insurance. Being proactive about learning why getting a flood insurance plan is beneficial may help you.

Protect Your Belongings With Flood Insurance

Is there a need for flood insurance in Connecticut even if you have never dealt with a flood before? That question may prevent you from actually buying a policy. However, there is a high possibility that you will require some kind of flood protection even if you assume you will not get any water damage.

According to the Connecticut Division of Emergency Management and Homeland Security, spring is a particularly risky time for melted snow or falling rain to overwhelm rivers in Connecticut. Since many houses are near or around rivers, they can face flooding. If you live closer to a large river, you could struggle even more with flash floods, which may require purchasing flood insurance

Think About the Amount of Water

Although you may assume that a bit of water will not harm your house in any noticeable way and, therefore, you can skip getting flood insurance, flood water seeping in through the basement of your home can leave you with mold. This small amount of flooding can also cost you thousands of dollars in damaged house materials and other items.

Sometimes, even an inch of water can contain hazardous substances, like sewage from backed-up pipes or other chemicals. Not only can this flooding ruin your floors, but it can also cause mold to grow in hard-to-reach areas if the homeowner does not properly clean it up. 

Realize the Benefits of Flood Insurance

Once you are dealing with a flooded home, you may need to take pictures and document how the damage looks. Ultimately, this is important when dealing with your flood insurance policy since these plans typically require a general estimate for the monetary damage done to your property. Since these floods can happen in both spring and summer, you may have peace of mind once you get a policy.

Depending on the age of your property and where it is in the state, you may have a different premium for flood insurance in Connecticut. If you live in an area with less risk, you may get a lower policy premium. Learning more about which options are right for you can help you decide.

Flood Insurance Can Benefit You and Your Household

Although you may live in a place in Connecticut you do not believe could have problems with flooding, you may underestimate how quickly a flash flood or rainstorm could bring water to your house. By getting flood insurance, you can rest easy knowing that your property will stay protected, and you will not have to replace or repair the damage without monetary assistance.

About Byrnes Agency 

At Byrnes Agency, we offer insurance solutions that can be tailored to meet your specific needs. Whether you’re looking for personal policies or commercial coverage, we have the right coverage for you. To learn more about our products, contact us today at one of our two locations.

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Dayville Office

Phone: (860) 774-8549

394 Lake Rd

Dayville, CT 06241

United States


Hours of Operation: Monday- Friday 9:00am-5:00pm

Norwich Office

Phone: (860) 886-5498

6 Consumers Avenue

Norwich, CT 06360

United States


Hours of Operation: Monday- Friday 9:00am-5:00pm

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