Flood Insurance

Looking for Flood Insurance in Raleigh?

When most people think of a flood, they might think of events like Hurricane Katrina, or Hurricane Sandy. These were huge devastating storms that caused billions of dollars in damage.

In reality, most floods are caused by far less catastrophic situations. In fact, it only takes a few inches of standing water to cause tens of thousands of dollars.

If you’re looking for flood insurance in Raleigh we’ve got you covered. Did you know that every single house in the entire country is in a FEMA flood zone? It’s just that some flood zones are worse than others.

In most situations, you will have a 30 day waiting period when you buy flood insurance, so don’t wait until it’s too late!

Homeowners insurance does not cover flood damage

Regardless of whether you live in Raleigh or any other part of North Carolina, flood insurance has to be purchased as a separate, stand-alone policy.

It is not covered by homeowners insurance.

Flood insurance policies also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

If you live in certain flood zones, your mortgage company may require that you purchase a flood insurance policy.

If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.

How much does flood insurance cost?

It would cost approximately $21,000 in damages from 2″ of flood water. For a premium of $467 or less annually, it would take you 42 years of policy coverage to break even on the cost of damages.
Applying flood insurance to your coverage portfolio makes financial sense.

Call or click today to get started with your Flood Insurance quote!

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