At South Winn Insurance, we understand that flooding can cause significant damage to your property and disrupt your life. Our flood insurance policies are designed to provide comprehensive coverage to protect your home and belongings from the financial impact of flood-related damage.
Coverage Options
- Building Property Coverage: Protects the physical structure of your home, including walls, floors, and foundation, against flood damage.
- Personal Property Coverage: Covers your belongings stored in your home such as furniture, electronics and clothing against flood damage
- Increased Cost of Compliance (ICC): Provides coverage for the costs of bringing your home into compliance with local floodplain management regulations after a flood.
Flood Insurance FAQ
Does Homeowners Insurance cover flooding?
Your homeowner’s insurance covers many perils, but flooding typically is not one of them. If you think disaster assistance will be available to you if you experience a flood, know that the President must declare a disaster first. This assistance is usually in the form of a loan that you need to pay back along with interest.
Who can get flood insurance?
Flood insurance policies are available in participating communities to homeowners, condo owners, apartment owners, renters, farm owners and business owners. Usually there is a 30-day waiting period before coverage goes into effect, unless flood insurance is lender required.