Ran across this really great Article from Chris Jordan, with Atlanta Insurance Live
September 21, 2009 is a day that will resonate with Atlanta residents for many years. Parts of our city experienced as much as 20 inches of rainfall in a 48 hour period, causing devastating flooding throughout the area. Thousands of homes have been lost, and families will spend months (and in some cases, years) trying to rebuild their lives. The truly unfortunate side of this story is that many of these families did not have flood insurance.
Flooding from rainfall is not covered under a standard homeowner’s insurance policy. A flood insurance policy is something that must be purchased separately through FEMA. Out of 2.2 million homeowners in Georgia, it is estimated that only 91,000 households have a flood insurance policy.
There are three types of flood insurance policies available. First is a policy that covers both your dwelling and your contents. This type of policy is available in both standard risk and preferred risk areas. Next is a policy that covers only your dwelling. This type of policy is available in standard risk areas only. Finally, you can get a policy that covers only your contents. This policy can be purchased in either preferred or standard risk areas. Maximum coverage on a flood policy is $250,000 for your dwelling, and $100,000 for your contents.
To read the rest of the article, visit here http://www.atlantarealestateforum.com/will-your-flood-damage-be-covered-by-your-insurance-16153/
Here’s Chris’ contact information!
http://www.atlantainsurancelive.com
http://www.facebook.com/atlantainsurancelive
http://www.twitter.com/thechrisjordan
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Dont forget that you wont need flood insurance for “floods” that can occur from within the walls of your home, such as a toilet, sink, bathtub that overflows, or a burst pipe. leaky appliance. Sewage and drain backup coverage is usually a separate rider, so always be sure ask about it. Water seepage into your basement may not be covered at all, since its a maintenance issue really.
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