Why many property owners don’t have flood insurance

There are a few reasons why you as a property owner may not have flood insurance. You may not realize that flood damage is not included in your homeowners or property insurance…or you may think that you do not live in an area that could get damaged by flood waters.

In 2015, in Columbia, SC they received what the news said was about 6 months of rainwater in just 2 days. Columbia is not on the coast, it does not often see a lot of rain, so you would think that you would not need flood insurance. This shows that just because flooding may not occur often in your area does not mean that it cannot happen.

This particular event was caused by Flash Flooding. This type of flood can occur with little or no warning and can happen anywhere. The Weather Channel describes a flash flood as “quick-rising floods usually occurring as the result of heavy rains over a short period of time, often only several hours or even less.They can also be caused by ice jams on rivers in conjunction with a winter or spring thaw, or occasionally even a dam break. The constant influx of water finally causes a treacherous overflow to begin, powerful enough to sweep vehicles away, roll boulders into roadways, uproot trees, level buildings, and drag bridges off their piers. Most frightening is the rapidity with which the water rises.”

Could your property recover financially from damage shown in the picture above? We over flood insurance for both homes & businesses. Give us a call at 864-688-0121.


The Weather Channel. “Flood and Flash Flood Facts”.  Nov 19, 2012. https://weather.com/safety/floods/news/flood-safety-20120423

Flood Season is Here – Do you have insurance coverage?

Floods can happen anywhere, however recent Wildfires in several Western States have increased the risk of large-scale flooding & mud flows in these areas. Wildfires increase the risk of flooding because the fire removes vegetation & chars the ground, leaving it unable to absorb rainfall the way it normally would. The risk of floods and mud slides remain high for up to five years after wildfires.

Your business insurance policy & homeowners insurance policy does not include flood insurance. No matter what area of the country you live in, don’t leave your home or business unprotected! Contact the Cossio Insurance Agency today to get flood insurance coverage & let us be your lifesaver!