Flood Insurance

Flood Insurance in Wilmington, NC and Throughout Coastal North Carolina

Flood insurance is a smart way to protect your belongings from devastating financial loss when wet weather hits. Something to remember though, anywhere it rains, it can flood, and even more so when you live somewhere coastal. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc. Flood Insurance is rated by the federal government but can vary by how much insurance you decide to purchase and what kind of coverage you need.

There are different types of policies to ask about and they are based on your property’s location and flood history. The first is Standard Flood Insurance Policies and the other is Preferred Risk Policies. A flood policy does not take effect until 30 days after you purchase flood insurance. You will not be insured if you buy a policy a few days before a flood. Planning ahead is the best course of action.

When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you’ll be reimbursed for all your covered losses and it never has to be repaid.

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