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What happened in Hebron, Ohio this past week could happen anywhere, anytime.  All homes are subject to possible flooding.  Flash Floods are not covered by a standard homeowner policy.  Your contents in your flooded car are not covered by your auto or standard homeowners’ either.  So how do you protect your property?

We offer Flood Insurance here at Tom Jones Insurance and highly recommend it to everyone regardless if you are in a flood zone or not.  You may also rate your risk by visiting the site of the National Flood Insurance Program (NFIP) and complete a flood risk profile and receive estimated premiums.  Their site is

Following are a few interesting facts we found on their site we thought were applicable:

  1. Everyone lives in a flood zone. You do not need to live near water to be flooded. Floods are caused by storms, melting snow, hurricanes, water backup due to inadequate or overloaded drainage systems, as well as broken water mains.
  2. You can buy flood insurance no matter your flood risk. It does not matter whether your flood risk is high or low. It is a good idea to buy even in lower risk areas because 25 to 30 percent of flood insurance claims come from low-to-moderate risk areas.
  3. The low-cost Preferred Risk Policy is ideal for homes and businesses in low-to-moderate-risk areas. Homeowners can insure buildings and contents for as little as $119 per year. Business owners can insure buildings and contents for as little as $550 per year. Residential renters can insure contents for as little as $39 per year.
  4. There is usually a 30-day waiting period before coverage goes into effect. Plan ahead so you are not caught without insurance when a flood threatens your home or business.
  5. Federal disaster assistance is not the answer. Federal disaster assistance is only available if the President declares a disaster. Flood insurance pays even if a disaster is not declared.

Call us today at 740-467-2040 for more information about Ohio flood insurance or Ohio home insurance.

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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Tom Jones Insurance to provide information that may be of interest. Tom Jones Insurance is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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