Protect Your Property with Flood Insurance in Georgia
When most people think of floods, images of catastrophic events like Hurricane Katrina or Hurricane Sandy often come to mind. These massive storms caused widespread devastation and billions of dollars in damages. However, it’s important to understand that most floods are not caused by such large-scale disasters. In reality, it only takes a few inches of standing water to cause tens of thousands of dollars in damage to your home. Let’s dive into why you should consider flood insurance for you home.
If you’re seeking flood insurance in Kennesaw or anywhere in Georgia, you’re taking a crucial step in protecting your property from potential water damage. At Dickerson Agency, we partner with several top-rated insurance carriers to offer comprehensive flood insurance coverage tailored to your needs.
The Reality of Flood Risk
Did you know that every single property in the United States is located within a FEMA-designated flood zone? While some zones are classified as higher risk than others, the potential for flooding exists everywhere. Even if you live outside a designated high-risk flood area, your home could still be vulnerable to flooding caused by heavy rains, overflowing rivers, or drainage issues.
It’s also important to note that flood insurance typically comes with a 30-day waiting period before coverage takes effect. This means you cannot wait until a storm is approaching to a policy. Planning ahead is essential to ensure you’re protected when you need it most.
Why Homeowners Insurance Isn’t Enough
One of the most common misconceptions about flood damage is that it’s covered by standard homeowners insurance. Unfortunately, this is not the case. Homeowners insurance policies do not cover flood damage, which is why flood insurance must be purchased as a separate, stand-alone policy. Without flood insurance, you could be left to cover the costs of repairs and recovery on your own.
Flood insurance provides more than just financial protection against the physical damage caused by flooding. Many policies also reimburse you for the labor and materials used in efforts to prevent or minimize damage, such as sandbagging your home, moving furniture to higher ground, or removing debris after the water recedes.
Who Needs a Flood Policy?
In certain high-risk flood zones, mortgage lenders often require homeowners to carry flood insurance as a condition of their loan. However, even if you live outside a high-risk area or have paid off your mortgage, it’s is still an important consideration. Flooding can happen anywhere, and without proper coverage, the financial impact can be devastating.
At Dickerson Agency, we understand the complexities of flood insurance and can help you navigate your options. Whether you’re required to carry a flood policy or simply want the peace of mind that comes from knowing your home is protected, we’re here to help you find the right policy.
Don’t Wait Until It’s Too Late
Floods can strike with little warning, and the damage they cause can be swift and severe. Don’t wait until it’s too late to secure the protection you need. Contact Dickerson Agency today to learn more about flood policy options in Georgia. Our team of experienced professionals is ready to help you safeguard your home and ensure you’re prepared for whatever nature may bring.
How to get started on your quote
To get started on your quote, call our office or click over to our quotes page. Either way we’ll make the process simple!