Flood Cleanup and Insurance Coverage

?Water Damage? or ?Flood Damage? This is an important question to ask if you live in an area like Bakersfield that could be flooded instantly by the Lake Isabella Dam.

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While the terms water and flood are interchangeable to the owner of the home or building, the terms mean vastly different things. A flood is defined as ?outside-in? water caused by a source outside the structure such as a broken levy, tide water or ground water caused by excess rain. In these instances it is crucial to have Flood Insurance which is rarely included in the regular insurance policy, but is considered an add-on. Most owner’s are unaware of what their insurance policies say about floods or even what a flood is. Help educate and protect yourself from natural disasters.

You can obtain flood insurance coverage through your local agent or go directly to the National Flood Insurance Program. A great resource is http://www.floodsmart.gov/floodsmart/