We all know that North Carolina is vulnerable to some of the most extreme flooding. In order to protect your personal belongings, you should carry a flood insurance policy.
It is not a legal requirement in the state to carry flood insurance. However, if you are in special hazard areas, you may be required to obtain flood insurance to apply or be approved for a mortgage. Regardless, it is important to consider flood insurance as a standard homeowner's insurance policy will not cover damages due to flooding.
You can choose up to $250,000 of maximum coverage for the structure of your home. You also have the option to choose up to $100,000 for the contents of your home. Make sure you are aware of what is covered and what is not. The walls, windows, and roofs of your home should be taken into consideration when looking for coverage. Dwelling areas usually cover those as well as electrical wires, central AC, and hardwood flooring. Trees, plants, outdoor landscaping, is usually not covered under flood insurance. We can also help you to determine which flood zone your home is in to give you a better idea of what coverage option you should choose.
When you are shopping for flood insurance, it is important to speak with someone that you can trust. Our team is here for you every step of the way, and is ready to:
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