Anywhere it rains or snows, it can flood! Don’t make the mistake of thinking "I am not in a flood zone" and that you are safe from flooding. In fact, more than 20 percent of flood claims come from properties outside of high-risk flood zones. It takes only one inch of water to cause more than $25,000 in damage. Worse yet, typical homeowner and renter insurance policies do not cover flood damage.

Flooding doesn’t just come from rain and rising rivers and lakes. Floods happen in Ohio all the time, for many reasons. Snow melt, clogged drainage systems, failing levees and even construction can cause changes in storm drainage patterns. The water must go somewhere and that somewhere could be your basement and your home.

Flood insurance through the National Flood Insurance Program (NFIP) is not cheap if you are in a flood zone, but compared to the average cost of a flood it is a worthy investment. (According to the NFIP the average cost of a flood is $38,000.) If you are not in a designated flood zone, then coverage will be less expensive.

An Ohio flood insurance policy can be purchased through Botson Insurance Group. The policy covers damage to your home and its contents, as well as property protection and cleanup reimbursement. It doesn't not matter if you rent or own your home. If you do rent, your landlords insurance will not cover rising water that damages your property. You will need your own flood insurance policy.

Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future. Contact one of our flood insurance specialists today by calling 440-934-1603 or fill out our online flood insurance quote form.