Whether you live in a flood-prone area or not, you may want to consider obtaining a flood insurance policy since the weather can be very unpredictable. As a matter of fact, floods are one of the most common natural disasters in the United States. A flood can destroy or damage homes, businesses, and other properties, so it is imperative to understand what flood insurance covers so that you can ensure that you have the proper amount of coverage to protect you and your property.
The agents at the Birdsong Agency Inc. serving the Snellville, GA area want you to know and understand what flood insurance covers and the things it does not cover.
What Does Flood Insurance Cover?
In general, flood insurance covers damage and losses that are caused by flooding. Most of the time, flood insurance is not included in a regular home insurance policy.
Typically, flood insurance will cover any physical damage that happens to your property due to flooding. This can include the overall structure of your house, such as the walls, ceilings, floors, and foundation, and it can include your personal belongings, furniture, and appliances. Some flood insurance policies will even cover the cost of cleaning, mode eradication, drying out your property, and other expenses.
What It Does Not Cover
Many flood insurance policies have certain exclusions or limitations and one of the big ones is sewer backup. If your basement becomes flooded due to a sewer backup versus just flooding, flood insurance may not cover it. You will need to speak with your insurance agent to make sure you have coverage for that if that is an issue where you live. Flood insurance may also not cover a broken pipe or water heater. You will also need to discuss this with your trusted and experienced insurance agent.
Contact Us Today
To create a flood insurance policy that works well for you and your situation, contact the flood insurance agents at the Birdsong Agency Inc. serving the Snellville, GA area today!