Did you know that it only takes a few inches of water from a flood to cause tens of thousands of dollars in damage? Over the past 10 years, the average flood claim has amounted to over $33,000. The best way to protect your company from devastating financial loss is to obtain flood insurance.

Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners. Costs vary depending on how much insurance is purchased, what it covers, and the property's flood risk.

All policy forms provide coverage for buildings and contents. However, you might want to discuss insuring personal property with your agent, since contents coverage is optional. Typically, there's a 30-day waiting period---from date of purchase---before your policy goes into effect. That means now is the best time to buy flood insurance.

Ramey & King Insurance