Several events you may not realize could cause a flood, even in areas unknown for flooding. Below are some of the most common events that cause flood damage. This may be why you should consider adding flood coverage to your home insurance policy, even if you don’t live in a designated flood zone.

River Flooding

Excess rain in an area can cause local bodies of water to flood. This is especially true for rivers with a natural boundary where the water usually halts. However, if the water rises above this line, it floods nearby properties until it is absorbed into the ground or makes its way toward the ocean.

Flash Flooding

Like river flooding, flash flooding can occur in areas without a body of water, like a river or the ocean nearby. In these situations, a region receives a large amount of rainfall rapidly, causing excess water to accumulate but has nowhere to go. Consequently, when the water doesn’t have a channel to drain, it floods the areas, particularly low-level ones, resulting in significant flood damage.

Hurricanes

In Florida, residents are fully aware of hurricanes and the damage these tropical storms can inflict. Much of the damage comes from high winds, but slower-moving storms can bring a lot of water inland, potentially leading to significant flood damage. This can start on the coast and work its way inland for nearly 100 miles. The influx of such a large quantity of water can rupture dams that are essential for water regulation in the area.

Suppose you’re in the Pinecrest, FL, area and looking for flood insurance quotes. In that case, our team at Hamilton Fox & Company Inc. is on standby to provide you with a personalized quote to supplement your home or commercial insurance policies.