{"id":270,"date":"2018-04-09T20:09:23","date_gmt":"2018-04-09T20:09:23","guid":{"rendered":"https:\/\/www.oliverinsurance.net\/blog\/?p=270"},"modified":"2018-05-14T20:09:44","modified_gmt":"2018-05-14T20:09:44","slug":"how-do-i-know-if-i-need-flood-insurance","status":"publish","type":"post","link":"https:\/\/www.oliverinsurance.net\/blog\/how-do-i-know-if-i-need-flood-insurance\/","title":{"rendered":"How Do I Know if I Need Flood Insurance?"},"content":{"rendered":"<p>The biggest investment that most people will ever own is their home.\u00a0 Since it is such a big investment, those that are in the\u00a0<span class=\"scayt-misspell-word\" data-scayt-word=\"Canby\" data-scayt-lang=\"en_US\">Canby<\/span>, OR area need to make sure that it is properly covered by insurance.\u00a0 One type of insurance that you may need is flood insurance.\u00a0 There are several factors to consider when trying to understand if you need to have flood insurance on your property.<\/p>\n<p><strong>Flood Map<\/strong><\/p>\n<p>One of the main factors that will determine if you need to have flood insurance is the FEMA flood map.\u00a0 FEMA regularly updates a map of the entire United States that determines whether a home falls in an area that is likely going to be affected by floodwaters.\u00a0 If your home is located in a high-risk area, you will be required by law to have flood insurance if you have a federally guaranteed mortgage.\u00a0 If you do not have a mortgage on the property, flood insurance will not be a requirement.<\/p>\n<p><strong>Susceptible to Flooding<\/strong><\/p>\n<p>While your home may not be located in a high-risk area according to FEMA, your location may still be susceptible to flooding.\u00a0 In many cases, flood insurance may not be covered under a standard policy.\u00a0 To\u00a0<span class=\"scayt-misspell-word\" data-scayt-word=\"ensure\" data-scayt-lang=\"en_US\">ensure<\/span>\u00a0that your home is protected from the costs that come with water damage, having a flood insurance policy in place would be beneficial.<\/p>\n<p>For those that are considering their flood insurance needs and requirements in the\u00a0<span class=\"scayt-misspell-word\" data-scayt-word=\"Canby\" data-scayt-lang=\"en_US\">Canby<\/span>, OR area, working with Oliver Insurance would be beneficial.\u00a0 Oliver Insurance will be able to provide you with a full assessment of your home, location, and current situation to determine whether flood insurance is necessary.\u00a0 They will then be able to work with you to make sure you get the right flood insurance policy to meet your needs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The biggest investment that most people will ever own is their home.\u00a0 Since it is such a big investment, those that are in the\u00a0Canby, OR area need to make sure that it is properly covered by insurance.\u00a0 One type of insurance that you may need is flood insurance.\u00a0 There are several factors to consider when [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-270","post","type-post","status-publish","format-standard","hentry","category-home-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"The biggest investment that most people will ever own is their home. 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