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Flood Season, you may not be properly covered
Flash Floods

Flash floods are the #1 weather-related killer in the U.S. since they can roll boulders, tear out trees, and destroy buildings and bridges. A flash flood is a rapid flooding of low-lying areas in less than six hours, which is caused by intense rainfall from a thunderstorm or several thunderstorms. Flash floods can also occur from the collapse of a man-made structure or ice dam.

Flood After Fire

Many areas in the western states are at an increased flood risk due to wildfires in recent years. After a wildfire, the charred ground where vegetation has burned away cannot easily absorb rainwater, increasing the risk of flooding and mudflows over a number of years. Wildfire-affected areas include states such as Arizona, California, Idaho, Nevada, Oregon and Washington. Properties directly affected by fires and those located below or downstream of burn areas are most at risk.

Heavy Rains

Several areas of the country are at heightened risk for flooding due to heavy rains. This excessive amount of rainfall can happen throughout the year, putting your property at risk.Storms over the Pacific Ocean bring heavy rains to the western United States between the months of November and April. Cresting rivers, backed-up storm drains or saturated ground can cause significant floods across the region during this time.

Mudflows

Mudflows are rivers of liquid and flowing mud on the surface of normally dry land, often caused by a combination of brush loss and subsequent heavy rains. Mudflows can develop when water saturates the ground, such as from rapid snowmelt or heavy or long periods of rainfall, causing a thick liquid downhill flow of earth. Mudflows are different from other earth movements, such as landslides, slope failures, and even moving saturated soil masses in which masses of earth, rock, or debris move down a slope where there is not a flowing characteristic. Damage from mudflows is covered by flood insurance; damage from landslides and other earth movements is not. Mudslides can also be covered, if defined exactly as the Standard Flood Insurance Policy defines Mudflow.

Hurricanes & Tropical Storms

With a combination of soaking rain, flying debris, high winds, and tidal surges, hurricanes and tropical storms can pack a powerful punch. Besides causing extensive damage in coastal areas, hurricanes and tropical storms often bring flooding hundreds of miles inland, placing communities that normally would not be affected by the strongest hurricane winds in great danger. Just a few inches of water from a flood can cause tens of thousands of dollars in damage. Everyone needs to be financially protected from the dangers of hurricanes. Because most policies take 30 days to go into effect, the time to act is now.

New Development

Construction and development can change the natural drainage and create brand new flood risks. That's because new buildings, parking lots, and roads mean less land to absorb excess precipitation from heavy rains, hurricanes, and tropical storms.

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Cossio Insurance Agency| P.O. Box 5987, Greenville, SC 29606 | Phone: (864) 688-0121| Fax: (864) 688-0138