Online flood insurance quote bakersfield12/31/2023 ![]() ![]() Yup You get a loan of about $5,000 to cover that average of $40,000 to $90,000 in damage. √ That glorious assistance will be about $5,000. √ Assistance will be in the form of a loan you MUST payback. √ The President must declare the area a disaster area to make federal assistance available. In order for you to get that government “assistance” the planets and stars must align thusly: √ The Governor of the state must request a federal declaration of disaster. ” Ronald Regan, former California Governor and President of the US I’m from the Government, and I’m here to help. “The nine most terrifying words in the English language are: Right now you are saying “Yeah, but if you are such a Flood Nerd you know the government will step in and help”. It can cost $40,000 to $90,000 and that’s not even considering the damage to the contents of your home. Flooding is one of the most expensive causes of damage to repair. ![]() Don’t buy the lie about low risk – buy flood insurance!Ĭover My Ass-ets with Flood Insurance Now What Happens If it Floods and You Don’t Have Insurance? If your home is damaged by rising water and you don’t have flood insurance you are responsible for paying to repair the damage. And 90% of people who had flood water in their homes after these flooding storms didn’t have flood insurance. This data shows that recent major storms resulted in flooding in these low-risk areas. The government has been collecting flood data for the last 50 years. But what about the next? Just because you are in a “low risk” area doesn’t mean you aren’t at risk. But then it was too late to buy a policy. Or maybe you saw a big storm coming and thought about the risk of flooding. The real estate agent may have even told you it wasn’t necessary. Maybe you thought about buying flood insurance when you bought your house but said “Naw – the lender doesn’t require it so I must not need it”. That’s because 20% of all flooding events in the US every year happen in those “low risk” areas. Get a Quote Even if you are in a low risk area you are still at risk. California sees more than its fair share of flooding. That popular song from the 70’s is still true today. “It never rains in California….it pours man it pours” Albert Hammond 1972 And they find out they’re wrong the hard way. Too many people think if they aren’t in a high-risk flood zone they don’t need coverage. We look for and often find you great coverage and rate and the search is free.ĭo You Really Need Flood Insurance in California? So, if flood insurance was necessary for California wouldn’t homeowner’s policies cover it? Heck No! The NFIP had a stranglehold on the flood insurance market for years. Flood Nerds are Flood Insurance Specialists. ![]() And unfortunately, most local insurance agents will just stick you in the National Flood Insurance Program (NFIP) – easy for them – expensive for you. In most cases, the only way to get flood coverage is by purchasing a separate flood insurance policy. Go ahead, ask your homeowner’s agent to add a flood endorsement to your policy, and watch them laugh. But what they don’t cover is damage from flooding. These policies protect your home from things like fires and theft. Get a Quote Standard Homeowner’s Insurance Does NOT Cover Flooding A typical California homeowner’s policy is written through Farmers, State Farm, Allstate, or Progressive. If you’re tired of rising premiums or just need cheap flood insurance fast, let the Flood Nerds find you great coverage and a great price. ![]() We Flood Nerds love to shop for flood insurance and save people money. I’m Robert Murphy, the Head Flood Nerd at Better Flood. ![]()
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