Most common natural disaster
Of businesses that close due to a flood never re-open
Average flood insurance claim between 10'-14'
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We all love the beach, right? Nothing is better on a hot summer day than Del’s Lemonade and the beach. Since you are a business owner, hopefully you can sneak out every now and again to enjoy Massachusetts’ lakes, rivers and oceans. Unfortunately, some of the benefits of living in New England can also provide a fair amount of danger for your business. During recent hurricanes, several businesses had to close due to massive flooding. Think of the expense – documents and equipment destroyed along with the remediation of your property. It all adds up. But don’t worry; the team at Berry Insurance wants you to take that much needed vacation to cruise around the lake, not thinking about your flood risk. That’s our job!
Floods happen quickly and are largely unpreventable. Many times floods are caused by poor drainage systems, rapid rainfall, snow melt or a broken water main. However, if a flood occurs it can significantly impact your business. As those showers are coming down and you grow weary of flooding in and around your business, you should know the policy does not go into effect until 30 days after purchase. In other words, you can’t purchase it when you see large rain storms ahead. You work hard to make sure your business stays financially afloat, let the team at Berry handle your Massachusetts commercial flood insurance.
Even if your business is not in a flood zone, you still need flood insurance. Flood zones simply show a higher risk level. However, flooding can happen anywhere.
In the event of a flood, your commercial property insurance does not cover flood damage. You need flood insurance to be protected.
The federal government does not cover flood damage. In the event of massive flooding they can offer assistance in the form of a loan. The loan would need to be repaid.
Flood zones can change. It’s important you stay up to date and understand your real risks.