Flood season can bring unexpected challenges for homeowners, especially in areas like Granite City, IL, where heavy rains and rising water levels are common. Preparing ahead of time is key to protecting your home and belongings from costly damage. One of the best ways to stay ready is by investing in flood insurance.

Understanding Flood Risks in Granite City

Granite City’s location near the Mississippi River makes it more vulnerable to flooding during certain times of the year. Heavy rainfall, snowmelt, and even levee breaches can lead to water damage that standard homeowners insurance won’t cover. Flood insurance is designed to fill this gap, offering financial protection when water levels rise.

What Flood Insurance Covers

Flood insurance provides coverage for damages caused by rising water, including repairs to your home’s structure and replacement of personal belongings. Without this coverage, Granite City homeowners could face significant out-of-pocket expenses after a flood. It’s important to note that flood insurance policies typically take 30 days to go into effect, so planning ahead is essential.

How to Get Started

At Maryland Moats Lexow Insurance, we help Granite City residents find flood insurance policies that fit their needs. Whether you’re new to the area or have lived here for years, our team can guide you through the process and ensure your home is protected. Visit Maryland Moats Lexow Insurance to learn more about flood insurance and how it can safeguard your property.

Don’t Wait Until It’s Too Late

Flood season can arrive quickly, leaving homeowners unprepared for the damage it can cause. Protect your home and your finances by planning ahead. Contact Maryland Moats Lexow Insurance in Granite City, IL, today to explore your flood insurance options and get the coverage you need.

Winter in Granite City, IL, can be beautiful, but it can also bring challenges like ice dams that can lead to flooding. At Maryland Moats Lexow Insurance, we understand these unique risks and are here to help you protect your home with the right flood insurance coverage.

Understanding Ice Dams

Ice dams form when snow on your roof melts, flows down, and refreezes at the edge of your roof. This can cause water to back up and seep into your home, leading to potential flood damage.

The Role of Flood Insurance

Flood insurance provides coverage for damage to your home and belongings caused by flooding, including flooding caused by ice dams. This can be particularly beneficial in helping you recover from the costly damage ice dams can cause.

Preventing Ice Dams

While having flood insurance is crucial, it’s also important to take steps to prevent ice dams. This includes keeping your gutters clean, ensuring your roof is well-insulated, and removing snow from your roof after a heavy snowfall.

Conclusion

As a Granite City homeowner, understanding the risks of ice dams and the role of flood insurance in protecting your home is crucial. At Maryland Moats Lexow Insurance, we’re here to help you navigate these challenges and ensure you have the coverage you need.