When it comes to protecting your Pleasanton, CA area home, rely on Miao Insurance Services. If you are concerned about possible flood damage occurring in your area, give us a call today. Now is the time to get the right insurance policy in place.

Handling flood water damage to your home 

If you have flood damage in your home, the first step is to call your local insurance agent. They can provide direction on getting the claim process started and provide a list of approved contractors and vendors. It’s important to contact your insurance provider before getting any estimates or having any work started. 

Of course, if your home is not habitable or safe due to the damage, it’s time to set up alternative housing options. Many comprehensive homeowner’s policies provide coverage for alternative housing if your home is rendered uninhabitable due to a covered event. It’s always important to get yourself and your family to safety as quickly as possible.

When it is safe to visit your home, take an inventory of the damage. This will help the adjuster file an accurate claim. If your receipts or records of your belongings were damaged or destroyed in the flood, your agent should be able to give you some tips on how to provide alternative information.

Flood water can be extremely damaging, and remediation of the damage can take a long time. This is especially true if mold develops in your home. Flood insurance can help! 

We are here to help! Call today

Miao Insurance Services is proud to serve the insurance needs of the greater Pleasanton, CA community. If you want to make sure that your home has the insurance protection it needs, call or stop by our office today.

When you are in the Pleasanton, CA area, being a property owner can be a great housing option. Those who plan to purchase their home here will find that continued demand can make it a great investment. If you want to protect this investment, having proper insurance is a necessity. There are a few situations in which carrying flood insurance on your property should be considered a necessity.

You are Concerned About Flood Risk Damage.

You will need to have flood insurance because you are concerned about the risk of flood damage. If you live in an area susceptible to flood damage, you may find that getting home insurance to protect against this risk is challenging. Due to this, you will want to have flood insurance to ensure you have the coverage to repair your home if floodwaters damage it.

Mortgage Lender requires insurance.

You may also need to have a flood insurance plan to comply with your lender’s standards. Those who will purchase a home in a flood zone and need financing will likely have specific flood insurance requirements that will need to be met. Most mortgage lenders will review your flood insurance regularly and escrow your payments to ensure your coverage remains in place at all times.

A flood insurance plan is needed in several situations for the Pleasanton, CA area. As you are looking for a plan here, calling Miao Insurance Services can be helpful. There are many factors to consider as you choose a new insurance plan, and Miao Insurance Services can make it easier for you. We will help you evaluate your needs and build a plan that is right for your situation.