Flood Insurance: Do You Really Need It?

Do you need flood insurance? You have to decide that based on where you live, whether you are in danger from floods and how the cost of insurance compares to the cost of your property.Consider that flood damage often lasts after the actual flood has subsided. This may look like compromised structural support, permanently damaged furniture and mold growth.Consider that if your home were destroyed by an ocean storm surge, an insurance company could deem the cause of destruction to be "flooding," leaving you uninsured and homeless.Consider that rising temperatures may cause the ocean level to

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