Things You Need To Know About Your Flood Insurance

​A flood is deemed a big disaster in several areas. Often harm or damage it creates is not compensated unless you have additional coverage. Flood insurance policies are both applied for commercial and residential properties.

FEMA Flood Map Service Center (MSC)
A publicly available information source on flood hazards for National Flood Insurance Programs is the FEMA Flow Map Service Centre. With MSC, one can identify or access the official flood map and navigate a wide variety of flood awareness facts.

FEMA flood maps are maintained regularly using several methods. Over time, the helpful information accessed or downloaded from such a site can alter or be replaced by new updates.

Reasons You Must Have Flood Insurance
No house is protected from potential floods. Even a single inch of flood in a home can incur over $27,000 loss. Flood insurance will be the distinction between reconstruction and financial turmoil. Here are some considerations in purchasing this significant coverage:

1. Flood Insurance is Budget-Friendly Outside Flood-Prone Places.
   Flooding is the highest-priced natural hazard in the country. A portion of disaster claims come, unexpectedly, from regions that are not highly risky for floods. There is no rain damage included in the regular house insurance program, so it is recommended to add flood coverage.
   
   
2. Even Living Outside of Flood-Prone Areas Doesn’t Guarantee Your Property Will Be Safe.
   With government efforts to determine floods’ location, its forecasts will quickly become obsolete. It cannot represent today’s flood risk.
   
   
3. Damage caused by the flood appears to be severe.
   FEMA states that flood damage costs about $27,000 to recover from just one inch of flood in your house. These damages would leave you with the expenses of those repairs entirely on your own for not having flood insurance.

Flood insurance coverage
In the occurrence of flooding, your NFIP policy includes immediate physical damage to your building and property. By obtaining flood insurance, assets that you value are covered. To safeguard the house and property, the NFIP has two categories: coverage, content coverage, and building coverage.

Content Coverage

• Clothes, furniture, and electronic devices;
• Curtains;
• some portable equipment;
• refrigerators and food in it;
• other valuables, like arts

Building Coverage

• The building and framework physical construction of your home; 
• electrical and plumbing networks;
• central air and heating systems; 
• installed shelves, bookcases, panels, and workshop 

Financial stability and a sense of security are provided by flood insurance. Suppose you are in a big flood situation or a couple of centimeters of flooding. In that case, flood insurance covers your property.

At American Eagle Insurance, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. To know more about what help we can extend to you, please contact our agency at (225) 667-7377 or Click Here to request a free quote.