Do you live in a Rhode Island home that's near the shore, but just outside a flood plain? You might be surprised to find that your once-safe home is now at risk of flooding due to changes in the weather and rising sea levels. Protecting your home and its contents against a flood may be more of a reality than you think. Our agents at Caluori Insurance agency can help you get a flood insurance policy that helps you recover from an unexpected event.
The federal government is projecting that the Northeast region is going to experience an increase in precipitation in a relatively short period of time. As it currently stands, the global sea level has risen by 8 inches since 1880, and Newport, Rhode Island, has seen an increase in sea level of over 10 inches in one century. Higher sea levels mean more homes are more prone to flooding than in years past. These facts mean that protecting your home and assets through flood insurance is highly recommended.
The National Flood Insurance Program, or NFIP, is an insurance program that's offered by the federal government to homeowners. Private insurance policies rarely offer comprehensive flood insurance which is why the NFIP exists. An NFIP policy pays out regardless of a Presidential Disaster Declaration or not. However, you cannot go directly to the NFIP to obtain a policy; instead, you have to go through a participating insurance agency to purchase a policy. We at Caluori Insurance are participating members of the NFIP and can help you get a policy.
At Caluori Insurance, we understand what Rhode Island residents are up against with the changes in weather and tides. We can help you understand the importance of flood insurance, why you need it, and how it works. Give us a call and set up an appointment today.
