Windham County Flood Insurance: The Cost of Flooding

Windham County Flood Insurance The Cost of FloodingWindham County Flood Insurance: The Cost of Flooding

When a flood happens, all it takes is just a few inches of water to cause major damage to your home and its contents. Many people hesitate on purchasing a Windham County flood insurance policy because they either mistakenly assume that their Connecticut Homeowners Insurance will cover any damages, or they live in a low-risk area and just simply think they’ll never need it. Another reason homeowners may sometimes hesitate is because they don’t understand just what the cost of flooding in the home is.

Flood waters contain many contaminants, and lot of mud. High dollar items can get ruined all at once. For example, just an inch of water can damage your carpeting, wallboards, appliances, and furniture. A more severe storm or a deeper flood could add damage to even more expensive systems such as ducts, your HVAC system, roofing, private sewage and well systems, utilities, and the foundation.

FloodSmart.gov provides a calculator to determine just what you can expect the overall cost of flood damage to be. For example, let’s say you have a 1,000 square foot home with just 3 inches of water damage. According to FloodSmart.gov, you could expect the costs of the damages to exceed $11,000!

This estimated cost includes cleaning, but could be more or less depending on if you need to hire professionals to do the cleaning. You’ll want to keep in mind that all mud needs to be effectively removed from your home, as it can and will be contaminated. The wallboards in your home act like a sponge when wet, so they will need to be removed and replaced at least at the flood level. If you have a basement, that will need to be pumped out. If the flood occurred due to poor roofing, you’ll want to repair your roof as well.

As you can see, the cost of flooding can be very high, and very inconvenient for homeowners. Recent storms have brought the need for flood insurance to the forefront, especially throughout the Connecticut area. At the Byrnes Agency, we offer Windham County Flood Insurance Coverage among our various other personal insurance policies. Please contact us for more information at one of our various locations:

Dayville Office

Phone: (860) 774-85
394 Lake Rd
Dayville, CT 06241
United States
info@byrnesagency.com
Hours of Operation: Monday- Friday 9:00am-5:00pm

…………………………………………………………………………………………………………

Norwich Office

Phone: (860) 886-5498
6 Consumers Avenue
Norwich, CT 06360
United States
info@byrnesagency.com
Hours of Operation: Monday- Friday 9:00am-5:00pm

…………………………………………………………………………………………………………

Woodstock Office

Phone: (860) 928-7928
1226 Connecticut 169
Woodstock, CT 06281
United States
info@byrnesagency.com
Hours of Operation: Monday- Friday 9:00am-5:00pm

Leave a Reply

Your email address will not be published. Required fields are marked *

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <s> <strike> <strong>

four − 2 =