Flood Insurance in Dalton, GA

Most homeowners insurance policies don’t cover flood damage; however, it can be essential coverage, especially if your home is in an area with a high risk of flooding. Even a few inches of water can cost tens of thousands of dollars in property damage. Without flood insurance, you would have to pay for such damage out of pocket.

What Does Flood Insurance Cover?

This insurance typically covers two main components: building property coverage and personal property coverage.

• Building property coverage may help cover the physical structure of your property, including the foundation, walls, electrical and plumbing systems, appliances and fixtures. It may also cover built-in items such as carpeting, cabinets and bookcases.
• Personal property coverage may help cover your belongings and contents inside the insured property, such as furniture, electronics, clothing and valuables. However, certain high-value items, such as artwork, jewelry and collectibles, may have coverage limits. Additional coverage or separate policies may be required for complete protection.

How Does Flood Insurance Work?

Flood policies are a distinct policy designed to cover losses caused by flooding. Regular premiums are paid to maintain coverage after purchasing a policy and determining coverage limits. In the event of a flood, you must contact the insurance company, document the damage and file a claim with supporting documentation. An adjuster will assess the damage, and if the claim is approved, a payout will be provided based on the policy’s coverage limits and deductibles.

How Much Flood Insurance Do I Need?

Flood coverage needs vary and depend on factors such as the location’s flood risk, the value of the insured property and lender requirements. You should consider having enough insurance to cover the cost of rebuilding or repairing your house and replacing your belongings if your home is flooded. Contact ABC Insurance Services today to learn more about flood insurance. We are a family-owned and operated independent insurance agency serving Georgia and Tennessee since 2005.