Flood insurance is not something usually on your radar unless you have lived in an area known to flood or near a decent-sized body of water.
However, we need to wade into it a bit more, considering some places that never flood have been lately. I mean come on did you see Helen a few weeks ago.
Flooding Happens All Over Georgia
Regardless of where you live in Georgia, if a hurricane and the related weather systems can reach you, or if a lake/river can overflow - flooding can happen and happen quickly. For many Georgians without coverage, this means deep trouble, especially when you know how much flood damage can occur in Georgia. Again, did you see Helen?
Flooding doesn't have to happen from a major event like a 100-year storm. No, a flood can happen from a damaged window allowing water in during a major windstorm or hailstorm. About 20% of flood insurance claims actually stem from homes located in a lower or moderate flooding zone.
You'll want to know what coverage you have by checking in your regular home insurance or whether or not you need supplemental coverage in the form of a flood policy before flooding occurs.
The Wait Could Cost You
The time to think about and find coverage for flooding is now, well before you think it is a possibility of flooding in your area. Unfortunately, most people become interested in flood insurance when they see bad weather coming in, like a hurricane that is named. The only way to protect your home and belongings from flood waters is to have this in place before it's even possible.
Why is now the best time? To answer that, most flood insurance carriers have a 30-day waiting period in effect before you can contract coverage, meaning once you know the name of the storm bearing down on your home, it's already too late to cover it from flood.
We Can Keep You Above Water
As an independent insurance agency, we at Arrow Insurance Agency know what options you have for flood insurance and we have a few different carriers we can look at. If you are required to have flood insurance on your home or just want to have it, we can help you determine the best options.
It will prove worth it to know what protection you have if and when the water decides to rise, even if you don't end up making a claim.