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Cottage Grove Local Disaster Cleanup Service For Smoke and Water Damage
Professional cleanup at your home or business from any size fire or flood disaster. Minneapolis Disaster Pros provides local restoration services in Cottage Grove and throughout the Twin Citiesregion. Floods are the most common and costly natural disaster in the United States. Unfortunately, most homeowner or renter insurance does not cover flood damage. Flood insurance can be purchased through an insurance agent or an insurer participating in the National Flood Insurance Program (NFIP).
Call Now (651) 330-1500 For Emergency Cleanup Services
If you’re wondering why you might need flood insurance, remember that flooding can happen unexpectedly and happen anywhere. More than 20% of flood claims come from properties outside the high-risk flood zone. Additionally, flood insurance covers damage even without a Presidential Disaster Declaration. You may also be required to have flood insurance by either Congress or your mortgage lender. In high risk areas, Congress has mandated federally regulated or insured lenders to require flood insurance on mortgaged properties. Even in lower risk areas, mortgage lenders may require flood insurance. The bottom line is that flood insurance is a small price to pay for what could be thousands in potential damage. Just one inch of flood water could cost you over $25,000 in repairs.
Cottage Grove MN Leading Fire & Water Damage Restoration Company
When purchasing flood insurance, it is important to ask what is and isn’t covered. For homeowners, flood insurance policies typically over your home’s structure and belongings. This includes your foundation, electrical and plumbing, finishings, appliances, electronics, personal belongings, and more. Coverage limit is typically $250,000 for the building and $100,000 for the building contents. However, these are typically purchased separately with separate deductibles. If you reside outside the high-risk flood zone, you may be eligible for discounted flood insurance rates.
For business owners, you may purchase commercial flood insurance policies to protect your business’ structure and equipment. Coverage includes your foundation, electrical and plumbing, finishings, equipment, furniture, and inventory. Coverage limit is typically $500,000 for each building and the building contents. Just as with homeowner flood insurance, you may be eligible for discounted rates if you live outside of a high-risk flood zone.
After purchasing flood insurance there is a 30-day waiting period until your policy goes into effect. Here are the exceptions:
There is no waiting period, when flood insurance is purchased in connection with making, increasing, extending, or renewing a mortgage loan.
There is no waiting period if additional insurance is selected as an option on the insurance policy renewal bill.
If the building has just been designated in the high-risk Special Flood Hazard Area (SFHA) and flood insurance is purchased for it within the 13-month period following a map revision, there is a 1-day waiting period.
Minneapolis Disaster Pros is the leading fire and water damage restoration company serving the Cottage Grove region.
If a property is damaged by flooding on burned federal land and the policy is purchased within 60 days of the fire-containment date, there may be no waiting period. Waiving of the waiting period is determined at the time of claim.
Cottage Grove MN Water Department
8635 W Point Douglas Rd S, Cottage Grove, MN 55016
Customer Reviews & Testimonials
- We had a sewer backup in our finished basement. This was an emotionally devastating experience and we had no idea where to start. The team from 911 was very professional and quickly calmed our nerves and in a few days had our home back to normal. Thank You so much! Theresa Henderson
- We had to remodel nearly our entire home and now it looks incredible. The team at Minnesota Disaster Pros was extremely helpful and thorough. In the unfortunate event of more damage to our home, I will absolutely be using them again. R. VonBank