Flood Insurance in Georgia

Flood insurance is a specialized insurance policy that protects your belongings and home in Winder, GA against damage from floods. Flood damage isn’t usually covered under a home insurance policy, so you will want to have this additional policy to gain this protection. If you live in a high flood risk area, your lender may require a flood insurance policy. Even if you don’t live in a high-risk area, you will still want to have flood insurance since floods can happen anywhere, and just an inch of water in the home is enough to cause a lot of damage and put you in a financial hole. More than a quarter of insurance claims for flood damage come from homes that weren’t in a high-risk flood zone.

What Does a Flood Insurance Policy Cover in Georgia?

There are two different types of flood insurance coverage. One covers the home structure, and the other covers your belongings and the contents in your home. This can include HVAC equipment, appliances, plumbing, electrical systems, paneling, cabinets, clothing, curtains, blinds, electronics, the freezer's contents, and the foundation. Some things are excluded from the policy, and this list includes patios, decks, fences, pools, boathouses, damage to vehicles, cash, walkways, and septic systems. Flood insurance will also not cover mold damage if a sewer backup causes the damage. It’s always best to check with an agent to know what your specific policy covers.

Getting Flood Insurance in Georgia

If you live in Winder, GA, you can get flood insurance through the National Flood Insurance Program and your agent at Ransom & Associates Insurance Agency. Coverage doesn’t kick in until thirty days after you purchase the policy, so you don’t want to wait until a storm is in the forecast to begin shopping for a policy.

Contact Ransom & Associates Insurance Agency to get a quote on flood insurance.