Oklahoma Insurance Professionals LLC Blog |
 Oklahoma homeowners know that the weather can be unpredictable, but many don’t realize just how vulnerable their homes might be to natural disasters like floods and earthquakes. While a standard homeowners policy covers many types of damage, flood and earthquake insurance usually require separate policies. Understanding what your standard policy includes, and when you might need additional coverage, is crucial for fully protecting your home.
When homeowners think of natural disasters in Oklahoma, tornadoes might come to mind first, but floods and earthquakes are increasingly common threats. From heavy rainfall leading to flood damage to the growing risk of seismic activity in the region, Oklahoma residents should seriously consider adding flood and earthquake coverage to their insurance plans. While it might not be something you think about every day, these coverages could make all the difference when disaster strikes.  Roy and Jan Williams were enjoying their retirement in Oklahoma City, relishing the calm after years of hard work. However, their peace was shattered one fateful spring when heavy rainfall led to flash floods that inundated their neighborhood.
Without flood insurance, the Williamses faced significant financial hardship as they tried to recover from the extensive damage to their home and personal possessions. Their story is a reminder of the importance of flood insurance in Oklahoma.  Imagine this: It's a warm summer evening in Oklahoma City, and you're sitting on your porch, enjoying the gentle breeze after a long day. Suddenly, the sky darkens, and a heavy downpour begins. At first, it's nothing unusual—just another rainy night.
But as the hours pass, the rain doesn't let up. It intensifies, turning your quiet street into a river. You watch as the flood waters rise, inching closer to your home, and you realize that this is more than just a passing storm. This is a flood, and it's coming for your property. |
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