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Is Your Home Covered?

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Hurricane season is drawing near. With local rainfall measurements of 20 inches or more last month. Do you have flood insurance? If not, the time to act is now. If your home floods within thirty days of purchasing a plan, you will not be covered.

Aside from storm surges and wind impacts, a hurricane can bring widespread rainfall. Even if you live inland and away from where the storm makes landfall. After the storm, water runoff can cause rivers to overflow, increasing the threat of flooding days later. Thunderstorms can also produce inundate rain and cause localized flooding. Having a flood insurance plan protects you from loss or damage during these natural occurrences. Be prepared, use the checklist below and contact an insurance agent if needed.

1. Have an insurance checkup with your agent once a year, whether you own or rent.

2. Your flood insurance is a separate policy from homeowners and has a 30-day waiting period to take effect.

3. Visit floodsmart.gov to learn about your flood risk and flood insurance options for your area.

4. Prepare your home and vehicles according to your specific insurance policies to ensure damages will be covered.

It is imperative to remember that your homeowner’s insurance does not cover flooding. You will need a separate policy for it whether you rent or own your home. There is also a 30-day waiting period for coverage to go into effect. So, make that call now.

Contact Waguespack Insurance to review or add coverage to your home by
calling (225) 647-5767.