Hurricane Season Entering Peak Period, Yet Many Homeowners Still Do Not Have Flood Insurance

The busiest period of the Atlantic hurricane season is getting underway, so if you have not yet considered buying flood insurance, now is the time. Flood insurance covers your property against hurricane-caused storm surges as well as flooding generated by the torrential rains, which often accompanies tropical storms.

Standard homeowners and renters insurance policies do not cover flood damage. However, flood coverage, is available in the form of a separate policy both from the National Flood Insurance Program, and from a few private insurers.

The NFIP provides coverage for up to $250,000 for the structure of the home and $100,000 for personal possessions. The NFIP policy provides replacement cost coverage for the structure of your home, but only actual cash value coverage for your possessions. Replacement cost coverage pays to rebuild your home as it was before the damage occurred.

There is a 30-day waiting period before the coverage takes effect, so it is important not to wait until the last minute to buy a flood insurance policy.

Excess flood insurance can be purchased from specialized companies through independent insurance agents, such as Wm. E. Morrell, Inc. or from regular homeowners insurance companies that have arrangements with a specialized insurer to provide flood coverage to their policyholders.

To get a price quote for flood insurance please contact Wm. E. Morrell, Inc.

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Hurricane Season Entering Peak Period, Yet Many Homeowners Still Do Not Have Flood Insurance

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