Flood Insurance in Georgia

It usually pains us when we see people count their losses after floods, especially when they find out that standard home insurance doesn’t cover the damage. We wouldn’t want to see you go through the same pain. As such, we would like to offer you an affordable flood insurance plan to protect you when floods strike in the south. Yes, typical home insurance doesn’t cover flooding, but flood insurance from Jonathan Roberts Insurance Agency in Canton, GA can save the day when floods damage your house and contents inside.

What does flood insurance cover?

If you purchase flood insurance, you will be sure that your building and the assets inside will be covered when damage occurs. When you purchase flood insurance from the National Flood Insurance Program (NFIP), it covers your building for up to $250,000. The dwelling coverage covers the foundation, fixed appliances, electrical, and plumbing systems, among other items.

Also, flood insurance covers the assets inside your home. This includes clothing, furniture, electronics, fixtures, and other belongings in your house. If you purchase flood insurance from private companies, the policy may cover “loss of use” if your building is rendered unlivable.

How much flood insurance do I need?

As a rule of thumb, always invest in coverage sufficient to replace your house from the ground up. However, to achieve this goal, you must use your house's “replacement value” to insure your home. This value ensures you don’t incur out-of-pocket expenses when repairing or rebuilding your home after flood damage.

Anything else I need to know?

If you purchase flood insurance from the NFIP, take note of the 30-day waiting period. So, when planning to buy flood insurance, have this in mind to avoid inconveniences. However, if you opt for private flood insurance, the waiting period is usually 14 days.

Purchase flood insurance today!

Are you interested in flood insurance in Florida, Alabama, Georgia, Tennessee, or South Carolina? Please contact Jonathan Roberts Insurance Agency in Canton, GA for an affordable and customizable policy.