Damage From Flooding Are You Covered?

Damage From Flooding...Are You Covered? Damage From Flooding...Are You Covered?

Weather pattern changes and severe weather events, such as Atmospheric Rivers, have heightened the need for, and value of homeowners insurance for Fresh Water Flood coverage.

With the ever-increasing volatility of weather patterns due to climate change, Overland Water [Fresh Water Flood] insurance coverage is an issue that homeowners should be familiar with. Here then is a basic overview of how your local insurance agent can help mitigate the fi nancial consequences of a fl ooded home. • In 2015 the Insurance Industry started developing coverage for

Overland Water in response to the

Government’s Emergency Flood

Assistance Program’s being “in the red”; • Since then most insurance providers have brought in an option to purchase Overland Water

Coverage; • Overland Water Coverage pricing is based on geographic data of risk locations based on postal code combined with fl ood map data; • In many cases, pricing can be customized by choosing to insure

Overland Water in varying limits, such as $10,000., $20,000., $30,000 or higher/full limits; • Emergency Flood Assistance

Programs are still available but they WILL NOT respond to those applicants where Overland Water

Coverage was available thru insurance. • Water Damage, including overland water fl ooding, now surpasses fi re damage in both frequency and severity.

• Water Damage • Fire & Smoke Damage • Odor Control • Sewer Back Ups • Asbestos Removal • Mold Remediation • Carpet & Upholstery Cleaning • General Construction & Renovation • Flooring • Doors & Windows • Building Envelope • Interior and Exterior Finishing • Kitchens & Bathrooms

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Building a new home on BC’s Sunshine Coast or renovating an existing home? Call the Professionals at HWH Contracting Ltd.

Specialists In New Home Builds and Renovations Exacting And Reliable Work Guaranteed Homeowners Participation and Opinions Always Welcome New Home Warranty Fully Licensed And Insured Twenty + Years Experience on the Coast. Serving The Sunshine Coast From Langdale to Pender Harbour & Everywhere In Between

Working With You to Create Your Dream Home on the Coast 604 740 1193