Written by Andy Gurczak

September 12, 2022

How to Get Flood Insurance

How to Get Flood Insurance

Homeowners’ insurance protects homes from damages caused by fire, hurricanes, windstorms, and other natural disasters. However, standard homeowners’ insurance does not cover damages caused by floods. Consequently, homeowners and renters who live in a high-risk zone for flooding need to know how to get flood insurance.

The Federal Emergency Management Agency (FEMA) administers the flood insurance protection program for homeowners through private insurance companies. In fact, the federal government set up this program because most insurance companies would not offer flood insurance in high-risk flood areas.

Therefore, here is FEMA describing its flood protection program:

The National Flood Insurance Program (NFIP) is managed by FEMA and is delivered to the public by a network of more than 50 insurance companies and the NFIP Direct.

Floods can happen anywhere — just one inch of floodwater can cause up to $25,000 in damage. Most homeowners insurance does not cover flood damage. Flood insurance is a separate policy that can cover buildings, the contents in a building, or both, so it is important to protect your most important financial assets — your home, your business, your possessions.

The NFIP provides flood insurance to property owners, renters, and businesses, and having this coverage helps them recover faster when floodwaters recede. The NFIP works with communities required to adopt and enforce floodplain management regulations that help mitigate flooding effects.

Flood insurance is available to anyone living in one of the 23,000 participating NFIP communities. Homes and businesses in high-risk flood areas with mortgages from government-backed lenders are required to have flood insurance.

Whether you’re buying a new policy or renewing an existing policy, you can buy flood insurance. Call your insurance company if you live in a participating community in a flood-risk area.

Alternatively, you can buy flood insurance through your local insurance agent. He/she can write flood insurance directly with the NFIP so you can take part in the NFIP.

FEMA subsidizes the flood insurance rates.

Even if you live in an area that is not in an NFIP participating community, you may still want to purchase flood insurance. In fact, the risk of flooding also exists in areas not covered by the FEMA flood insurance program.

When Should a Homeowner Buy Flood Insurance?

Certainly, buy flood insurance before a flood risk is approaching. Indeed, most flood insurance policies require a 30-day waiting period before the coverage is effective.

However, exceptions include if you’ve purchased a new home and the closing is in less than 30 days.

What Isn’t Covered by NFIP Flood Insurance Policy?

The NFIP flood insurance program does not provide coverage for damages caused by earth moving.

Additionally, it does not cover flood damage to retaining walls, decks, and swimming pools.

Lastly, flood policies do not cover additional living expenses (a standard homeowners’ policy covers ALE).

You Are Not Sure How to Get Flood Insurance or You Need Help with a Flood Insurance Claim, Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.

We are experienced flood damage claim public adjusters. If you are living in a high-risk area for floods, we can help you get the insurance coverage you need.

We are experts in flood insurance policies. We can tell you what the policy covers, and what doesn’t.

If you have a flood damage claim, we can help you get all the money to which you are entitled. We will help you document your flood damage claim.

In addition, we will negotiate the settlement of your flood insurance claim with your insurance carrier. Remember, insurance company adjusters negotiate insurance claim settlements for a living. You probably don’t.

But we do.

Insurance companies undervalue your claim 8 out of 10 times. Moreover, they hire expensive adjusters to ensure they maintain a strong profit margin. Additionally, they have experienced actuaries that create insurance agency guidelines that help their team of agents challenges your insurance claim’s validity.

At AllCity Adjusting we work to ensure you get 100% of your claim value. Equally important, with over 50 years of combined adjusting experience, we know insurance companies and understand where they cut corners.

Moreover, we help you build a larger claim, maximize your claim value, and get you back to normal fast. Don’t get fooled, get the company that gets you more.

Therefore, if you have questions about flood insurance, or you need help with a flood insurance claim, call us at 844.692.3587. You can also email us at info@allcityadhjusting.com.

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Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

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