Atlanta Flood Insurance: Is This Something You Have for Your Home?

You may not live near a large body of water being in Atlanta. On the other hand, you still need to make sure you have flood insurance. Even if you are a long way from the Georgia coast, a severe storm can easily put an inch of water on the floor of your house. And, if that is the case, then the entire foundation of your home could be damaged. Therefore, you need to have flood insurance.

But is this something that is usually included in your home insurance coverage?

Flood Insurance Is NOT Usually Included in a Standard Home Insurance Policy

First of all, flood insurance is something that is not usually included in a standard home insurance policy. Flood insurance can be extremely expensive for certain insurance companies. As a result, the government is heavily involved in regulating flood insurance. If you need flood insurance for your Atlanta home, contact us today for a free quote.

Furthermore, understand that there is usually a waiting period of 30 days before your policy goes into effect after you purchase it. Therefore, you need to make sure you have flood insurance well in advance of when you think you will actually require it. If you purchase flood insurance and your home floods within 30 days of purchasing the policy, you may still not be covered.

What Is Covered by Flood Insurance?

So, if you purchase flood insurance, what does this actually protect? If your Atlanta home suffers flood damage from a storm, hurricane, and overflow of a nearby river or lake, or flooding due to snow or ice melting near your home, your flood insurance policy should protect your home. This includes damage to your foundation, your plumbing system, your electrical system, and your HVAC system. In addition, you may have some degree of personal content coverage; however, you do need to look closely at this.

At the same time how much flood insurance may not protect outdoor property and landscapes. This could include a deck or patio. Furthermore, if you have currency or precious metals in your home, they are not usually protected by flood insurance. If you are displaced from your home in the event of a flood, flood insurance may not pay for your living expenses.

Protect Your Atlanta Home in the Event of a Flood

Ultimately, you need to make sure that your home is adequately protected in the event of a flood. If you are unsure of whether you currently have flood insurance for your home in Atlanta, you need to clarify this with your current home insurance company or give us a call today! That way, you make sure your home is protected if you have flooding in your home for any reason. Otherwise, you could end up having to pay for these damages yourself.