Flood Insurance in Georgia

Flooding is common across the entirety of Georgia. Especially in places designated as flood zones. When a flood occurs, damage is highly likely, and it’s extremely costly to take care of.

Unfortunately, homeowner insurance does not cover floods by default.

You need flood insurance in Georgia to protect your home and your belongings from one of the most common sources of natural damage.

Why Flood Insurance Matters

If you’re in a designated flood zone, it’s almost guaranteed that you’re required to have flood insurance. Whether it’s part of the agreement for your mortgage or a local regulation. Not having it can cause serious issues even if there aren’t any floods impacting you currently.

However, even if you’re outside of a flood zone, flood insurance is crucial. The entire state gets quite a bit of rain, an there are plenty of large sources of water that can overflow and cause flooding in inhabited environments.

Even just an inch of flooding can cause thousands of dollars in damage to your home, and that’s not including your belongings.

Flood insurance will ensure that you receive compensation for damage to your home or property that is lost if a flood does strike.

By having a flood insurance policy added onto your home insurance, you get the peace of mind knowing you’re protected.

What Does Flood Insurance Cover?

Flood insurance is a little easier to understand than a larger umbrella of coverage. There are only two categories that you really need to understand.

There’s building property coverage, and then there’s personal property coverage.

Building Property Coverage:

Building property coverage is designed to insure the building itself and its core components.

If a flood occurs and damages the structural integrity of the home, key appliances such as AC units, or other important things such as plumbing and electrical, building property coverage helps you get those things fixed.

In most cases, the property protected by building coverage is the most expensive loss in a flood. So, it’s often considered to be the most critical.

Personal Property Coverage:

Personal property covers the things in and around your home that aren’t technically part of it. This includes a wide variety of items such as clothing, electronics, furniture, outdoor equipment, and pretty much anything else that you’ve accumulated over the years.

However, the exact types of items covered depends on the insurance carrier. Not all carriers protect certain things. That’s okay, though. Chandler Insurance Group is here to help you find the right policy for you.

Is Your Home in a Flood Zone?

If you’re in a flood zone, you can’t wait and think about flood insurance. Beyond it often being required, if you don’t have it, you’re not going to be able to get it once flooding starts. You can’t wait for a flood warning and then call up the insurance company. This is something that needs to be done as soon as possible.

Luckily, you can find out if you’re in a flood zone or not by looking at the FEMA flood maps that are freely available from FEMA online.

It’s also important to note that, even if you’re not in a high-risk area, you might face serious flood risks, and insurance is crucial.

Flood Insurance VS Homeowner’s Insurance

Homeowner’s insurance covers a wide variety of damage and loss, but floods are not typically included. Even when they are included, the coverage is limited.

Flood insurance is a special add-on that is specifically meant to cover the damage caused by floods. It’s the only way to ensure that a flood does not destroy your property without financial protection helping you recover.

Customize Your Flood Insurance Coverage

At Chandler Insurance Group, we’re an independent agency partnered with the top insurance carriers in Georgia. We can help you decide between private flood insurance or participating in the National Flood Insurance Program( NFIP), customize a coverage plan that meets your needs.

We also help our clients get custom-tailored coverage depending on whether the home is a personal dwelling or investment property, while considering factors such as location, risk factor, value, and more.

Let’s Get You Insured!

Don't leave your home unprotected from floods. Contact us today and get insured with Chandler Insurance Group so you can be prepared for the next storm!