Are You Covered for Flooding?

Laguna Beach’s Main Beach boardwalk was completely destroyed last December due to flash flooding.

Most of the time, when homeowners think of floods, they think of rushing water from overflowing gutters and streets during storms, hurricanes and heavy rainfall. You may be one of these homeowners, and think that California doesn’t get this kind of weather. For instance: We called that a “storm” yesterday? One day of rain in Orange County and we start getting freaked out?

Flash flooding happens more than you think. It took Laguna Beach almost eight months to replace the Main Beach boardwalk that was destroyed by last year’s Christmastime flooding. The transformation of a tranquil river or normally dry wash into a destructive flood occurs hundreds of times each year, in every part of the United States. Every year, floods drive some 75,000 Americans from their homes; on the average, 127 persons are killed each year. These destructive overflows have caused property damage in some years estimated at more than $2 billion. During the years 1985–2001, the total annual number of floods or flash floods ranged from 361 (1988) to 3,376 in 1998. A total of 32,047 flash flood/flood events were recorded in 1985–2001.

In fact, the water table is extremely high in Tustin, which is why there was so much farming in the area before Orange County became so built up. In 1928, locals jokingly called the area that now has the huge hangars the “Frog Swamp” because the soil was always moist! That means that when the rainfall in Tustin starts being measured in inches, the water has nowhere to go, and flooding will occur.

But the biggest mistake that homeowners make is thinking that flooding only happens with inclement weather. Not so—take one of our clients who left for Texas on a two-week business trip. While they were gone, a pipe burst on the second floor of their home on day six of their trip. It was days later by the time that the neighbor saw the running water and called for assistance. Within one day of their return home, the entire house has been gutted, leaving just a shell. All of the family’s belongings were destroyed and had to be removed. There was black mold from floor to roof.

This was a disastrous accident for this homeowner, but luckily they had coverage for flooding. Can you imagine the financial cost of replacing your whole house of furniture, belongings, electronics, especially in this economy? What about the things that are irreplaceable, like photos and family heirlooms?

Let us be clear: Flooding is NOT usually covered in normal homeowners’ insurance! Don’t delay in making sure you are covered for the next storm to hit, or the next plumbing problem.

Are you covered for water damage in your home, from any kind of flooding? Don’t lose everything—call BMR Insurance Agency now to review your insurance coverage to make sure an accident doesn’t turn into a tragedy. Call (714) 838-1911 to arrange a free insurance review, or use our online form.

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