Flood Insurance
Flood insurance helps cover the costs if your property gets damaged by flooding. It kicks in when water overflows from rivers, storms, heavy rain, or other sources, covering things like your building and belongings.
Types of Flood Insurance
Building Property Coverage covers the physical structure of your home or business, including its foundation, walls, and roof.
Personal Property Coverage covers your belongings, such as furniture, clothing, and electronics.
Benefits of Flood Insurance
1. Financial Protection: Flood insurance provides crucial financial protection by covering repair or replacement costs for your home and belongings damaged by flooding, helping you recover without bearing the full financial burden.
2. Peace of Mind:
Flood insurance offers peace of mind, allowing you to focus on the well-being of your family and the recovery process without the added stress of extensive repair and replacement costs.
How To Choose a Flood Insurance Plan
Follow these steps to find the flood insurance plan that works for your needs and budget.
ASSESS
FLOOD RISK
LOOK INTO
REPUTABLE
PROVIDERS
LEARN ABOUT
DIFFERENT
COVERAGE TYPES
ENSURE
COVERAGE
COMPARE
PREMIUM
COSTS
BE AWARE
OF WAITING
PERIODS
LICENSED
INSURANCE
BROKER
Frequently Asked Questions
Anyone who lives in an area prone to flooding should consider purchasing flood insurance. This includes those who live in coastal areas, near rivers or lakes, or in areas with a history of flooding. Even if you don’t live in a high-risk flood zone, it’s still possible for your home or business to flood, so it’s a good idea to be prepared.
No, flood insurance only covers damage caused by flooding. Other types of water damage, such as a burst pipe or a leaky roof, are typically covered by homeowners or business insurance.
To file a claim for flood damage, contact your insurance agent. Be sure to document the damage with photographs and keep any receipts for repairs or replacements.