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If your car is washed away in a flood, its loss likely will be covered by your auto policy. But, did you know that if your home is damaged in the same flood, it won’t be covered by your homeowners’ insurance? Our agency wants you to know, before it’s too late – flood damage is not covered under a standard homeowners policy, farm owners or business owners policy.  You cannot plan for a flood. You can only know that, should it happen to you, it could devastate you home, our family and everything you’ve worked so hard to acquire, and take steps to protect yourself.. Let us help.

Flood damage is not covered under a standard homeowners, farm owners or business owners policy. In fact, nearly all insurance policies specifically exclude damages from flooding. Fortunately, flood insurance is available through the federal government’s National Flood Insurance Program and some specialty programs. The NFIP. As long as your locality participates in the program, NFIP coverage can be purchased through our agency. Call us today!

We will help you explore your options. Separate coverages apply to buildings and contents. Coverage up to $250,000 is available for residential buildings, and up to $100,000 for contents. Coverage for farm buildings and other nonresidential buildings, as well as separate coverage for their contents are available in limits of up to $500,000.

Both property owners and renters are eligible for this coverage. All policies are subject to exclusions. What this year could bring. While experts have not yet compiled detailed predictions for the 2009 hurricane season, the consensus seems to be that the Eastern Seaboard and Gulf Coast are in for a return to high activity. "Tropical Storm Risk, a London-based consortium of weather, insurance and risk-management experts forecast an active 2009 season—up to 15 tropical storms, including eight hurricanes, with four of them intense. Meanwhile, floods can happen anytime, for any number of reasons"

At WinnSom Ins. Agency your insurance is our business

Posted 10:31 AM  View Comments

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