Don’t get caught in the storm! Outside of fire, flooding is the most widespread natural disaster. Even though flood insurance is relatively inexpensive, most homeowners do not choose to purchase the insurance protection available.

According to the Federal Insurance Administration, less than one quarter of the homes in areas most vulnerable are insured against flood loss. In those areas flooding is twenty-four times more likely to occur than a fire during the course of a typical thirty-year mortgage.

A standard homeowners insurance policy will not cover damages caused by flooding. You must have flood insurance from an insurer that writes for the National Flood Insurance Program. If your community participates in a floodplain management program, you should be eligible to buy the coverage no matter whether your risk is low, medium, or high.

Flood perils include the following:

  • Unusual and rapid accumulation of runoff or surface waters from any source
  • Overflow of inland or tidal waters
  • Mudslides caused by flooding
  • Washing away, collapse, or subsiding of land along the shoreline due to erosion or undermining of waves or currents exceeding the cyclical levels
  • Sewer backup caused by flooding

Excess Flood Insurance

Don’t get in over your head! Contact us today to find out if your standard flood policy is enough coverage for you. If the cost to replace or repair your home exceeds $250,000, a standard flood policy will not be sufficient.

The standard flood policy through the National Flood Insurance Program only covers up to $250,000 for a single-family residential and up to $500,000 for a commercial building. We have the ability to secure competitive excess flood coverage. Call us to find out more.

Get a Flood Insurance Quote

Or speak with our Georgia Flood Insurance specialist at 912.261.2945.

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