The Facts About Kentucky Flood Insurance

Why Flood Insurance Is Important

According to FEMA, flooding is the number one natural disaster that will take place in the United States. It is also one of the natural disasters that your regular homeowner's insurance doesn’t cover, making it essential that you have a separate policy. Just one inch of water can cause thousands of dollars in damage. About 50% of homeowners are in a high-risk flood zone, and you could be leaving yourself vulnerable to financial ruin. Even if you are in a low-risk area, flood insurance is still important. Between 25% and 30% of flood insurance claims are filed in low-risk areas.

What You Should Know about Flood Insurance

A misconception is that flood insurance has to be expensive, but depending on where your home is located, you can find an affordable policy. Contact an agent at D M Fleitz and Associates Insurance Agency to determine if your home is in a low-risk flood zone. If you think your home or business can’t flood because there isn’t a water source nearby, think again. Anywhere there is rain or snow there could be flooding. You may be required to have insurance if you are in flood hazard area if you want to receive federal aid or bank loans for federal disaster assistance.

What Does Flood Insurance Cover?

In Kentucky, there are two policies that you can purchase. One covers your home while the other covers your personal property, and you can have both. The building policy will include your home and foundation, any electrical and plumbing systems, HVAC equipment, kitchen appliances, and permanently installed carpeting. It will also cover debris removal. The personal property policy will cover clothing, furniture, electronics, curtains, and up to $2,500 in valuables.

The National Flood Insurance Program

The NFIP helps aid in subsidizing flood insurance costs in Kentucky and across the country. It also helps enact stricter construction laws to help lessen any damage that occurs when a flood does happen.

Contact D M Fleitz and Associates Insurance Agency to get a quote on flood insurance.

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