Did you know floods are NOT covered by your homeowner’s policy?

In the wake of hurricane Florence, it’s on every homeowner’s mind right now. Should we get it? Do we really need it?

One thing is for sure: you cannot wait until a hurricane is in the forecast to add this to your existing homeowner’s plan. Your policy takes effect after 30 days once you purchase a plan.

Did you know floods are the No. 1 natural disaster in the United States?

Based on what experts have learned over the years, we know flooding can happen anywhere in our state – and you don’t have to be on the coast to be affected.


  • About 20% of flood insurance claims come from moderate- to low-risk areas.
  • This means you don’t have to live in a high-risk zone to be affected by a flood. Having flood insurance means you’re covered if groundwater rises and floods your home – something that isn’t typically covered by a general home insurance policy. 
  • Just think of what a few inches of floodwater could do to your home. That’s more than enough water to destroy floors, walls, and other damages – costing you thousands if you don’t have flood insurance.

Do you need flood insurance?

That depends. There are several factors to consider. Here are some talking points to discuss with your insurance provider:

  • Do I live in a flood zone?
  • How long does it take for my flood insurance policy to take effect?
  • Is flood insurance mandatory for my property?
  • Do I qualify for a lower-cost Preferred Risk Policy?
  • Does my community participate in the NFIP’s Community Rating System?
  • What will and won’t be covered?
  • Will the federal government back my flood insurance policy
  • How much coverage should I get for my building and for my contents?
  • How can I reduce the cost of my flood insurance?
  • Are there additional expenses or agency fees?
  • What will my policy reimburse me for?

The National Flood Insurance Program.

The National Flood Insurance Program aims to reduce the impact of flooding on private and public structures. It does so by providing affordable insurance to property owners, renters businesses and by encouraging communities to adopt and enforce floodplain management regulations. These efforts help mitigate the effects of flooding on new and improved structures. Overall, the program reduces the socio-economic impact of disasters by promoting the purchase and retention of general risk insurance, but also of flood insurance, specifically.

Bottom Line:

The cost to repair flooding can be crippling to your finances. Call your local provider today or call Ian!

Capital Insurance & Financial Svs,

Ian Brinkley919-571-068

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