4 Things to Know About Flood Insurance When a Hurricane Strikes

Homeowners’ insurance does not cover property damage caused by floods or hurricanes. So, how do you protect your home and valuables when a hurricane strikes? If you live in a potentially flood-affected area, you probably should look beyond homeowners’ insurance, and get a separate flood insurance policy.

Here’s everything you should know about flood insurance to help cover property damage caused by hurricane. 

What is Flood Insurance?

The National Flood Insurance Program was established with the objective to minimize the impact of floods on private and public properties. They do so by providing affordable flood insurance to homeowners, renters and businesses, especially to those living in flood-prone areas of the country.

They also aim at integrating flood insurance with floodplain management to reduce the devastating impact of flood waters and hurricanes. This includes enforcing strict building codes, encouraging construction of more flood-resistant properties, and restoring or retaining wet lands for better absorption of floodwaters. 

Having flood insurance is the best way to protect your property and get damage coverage in case of flood or hurricane.

Why Should I Have Flood Insurance for Hurricane?

According to FEMA estimates, the cost of property damage from only 1 inch of water can be over $20,000. In the coastal areas of Texas, rainfall caused by Hurricane Harvey in September 2017 reached an exponential 50 inches in some parts. You can imagine the immense loss it caused to the people and their properties.

Are you ready to bear the hefty loss when you are hit by floods or hurricanes? If not, get in line with over 5 million flood insurance policy holders who are registered with the National Flood Insurance Program.

Looking for a reliable flood insurance package with maximum coverage and affordable prices? At Morrell Insurance, we help you compare different insurance policies to let you have the best coverage within your budget. Talk to our experts today for free evaluation and best price quotes.

Where Can I Buy Flood Insurance for Hurricane Management

You can buy flood insurance through the National Flood Insurance Program, which is managed by the Federal Emergency Management Agency (FEMA). For attractive coverage plans and affordable prices, you can also buy from a reliable agent such as Morrell Insurance. We do not let you compromise on flood insurance coverage. We perform in-depth property and damage evaluation, and help you compare plans from different insurance policy providers to ensure the best.   

Get Flood Insurance Coverage for Your Home and Content

Overinvesting in flood insurance to get maximum coverage is one of the biggest mistakes that homeowners do. We provide the right guidance that you need to have the best insurance plan that fits into your needs and budget. Based on your property evaluation and environment condition, we offer a plan that ensures optimum damage coverage. However, flood insurance for your property does not cover its content, and you may have to buy a separate policy for the latter.

For the best insurance policy and pocket-friendly prices, we bring to you attractive offers from various flood insurers, helping you make an informed decision.

Get in touch with our team to know more about buying flood insurance to cover property damage by hurricane.