Charleston Flood Insurance Is Designed To Keep You Dry And Protected

White house in water, flood

Charleston Flood Insurance

We made it through another winter, and most of us are thankful that we did not have a homeowner’s insurance claim. But with the end of winter comes the real possibility of spring flooding. If you live in a flood zone, we recommend flood insurance.  Did you know that even if you don’t live in a flood zone you may need flood insurance?  According to Flood Smart, 20% of flood claims come from low risk areas. A simple six inch flood in a 2,000 square foot home could cause as much as $40,000 worth of damage. There is help through the National Flood Insurance Program (NFIP).

A Guide To Flood Insurance

In 2012, Congress passed the Flood Insurance Reform Act of 2012. The law is intended to make the NFIP “more sustainable and financially sound over the long term.” You need flood insurance if:

  1. You live in a flood zone.
  2. Your area has experienced repeated flooding.
  3. You live by, or close to, rivers or other waterways.

What Might Be Considered A Flood

  • Snow melt in the spring causes flooding.
  • Flash flooding of rivers or waterways.
  • Dam collapse as a result of rain.
  • Heavy rain from storms cause storm drains to overflow and flood your community.

What Flood Insurance Does Not Cover

As with all insurance, there are certain things flood insurance does not cover. These include broken pipes, water damaged from sewer back-up, broken toilets and landscaping run off.

How To obtain Flood Insurance?

Call our office and we can provide you with a free quote. Remember your homeowner’s policy does not cover flood.

 

March 13th, 2015 by Cliff Heath Insurance