Flood Insurance Guidance

As with any insurance policy, it’s important that you know what your flood insurance policy covers and what it doesn’t. Here are a few things to keep in mind when purchasing a flood insurance policy:

• The first thing to consider is the level of coverage that you need. There are three types of coverage – personal property, structural damage, and additional living expenses.
• Be sure to read your policy carefully to make sure you understand what is covered and what is not.
• The insurance company will need to know the elevation of your home, as well as its construction type and materials.
• Your flood insurance policy will not cover everything. There are several items that are not usually covered, such as jewelry, art objects, and furniture that is not water resistant.
• Depending on your area, federal assistance may be available to help pay for your flood insurance.

Remember – flooding can happen anywhere, at any time. Many people think that their homeowner’s insurance policy will cover them in the event of a flood, but this is not always the case. Flood insurance is a different kind of coverage that must be purchased separately.

Your Flood Policy

If you have any questions or concerns about flood insurance, our team is here to help. Just give us a call or click below and we can help you find the ideal amount of flood coverage for your home at the lowest possible rate.