Low Cost Flood Insurance in Douglasville
Do I Need Flood Insurance?
Many conditions can cause flooding: spring thaws, heavy rains, hurricanes and the rapid accumulation of rain after a wildfire are just some of them. And, while certain areas are prone to flooding, it can happen anywhere and at any time. According to Fema.gov, floods are the No. 1 natural disaster in the United States. "All it takes is a few inches of water to cause major damage to your home and its contents," the federal government-run website declares.
So, are you prepared? Beyond readying your home and developing a family emergency plan, being prepared for a flood means understanding a bit about insurance.
HOMEOWNERS INSURANCE DOES NOT TYPICALLY COVER FLOODS
Most important is the fact that a standard homeowners insurance policy typically doesn't cover flood damage. And because floods can occur anywhere, you should consider purchasing a separate National Flood Insurance Program (NFIP) flood policy through an insurance agent. The NFIP is managed by the Federal Emergency Management Agency (FEMA).
Do you need Flood Insurance?