Serving All of Georgia with Quality Flood Insurance
Georgia Flood Insurance
Many homeowners are surprised to learn their homeowners insurance policies don’t cover flooding events. That’s right: Most homeowners policies won’t cover flood damage.
This fact puts Georgia residents—so many of whom live on or near Gulf Coast floodplains—in a tricky position. For such homeowners, adequate flood insurance isn’t optional; it’s a necessity.
How Does Typical Home Insurance Define ‘Flooding?’
If a pipe in your home busted and flooded your floor, would it be considered a “flooding event” and thus, not reimbursed by your homeowner’s policy? Or would it be covered?
If you answered, “Yes, this event should be covered under my home insurance policy” (or something similar), you’re correct. A typical homeowners insurance policy would likely cover a flooded floor or other water damage to the home caused by a busted pipe (or even a malfunctioning appliance).
What kinds of events are classified as “flooding” and are thus not covered under a standard home insurance policy? Obviously, a heavy rainfall event wherein water rose into your home would be considered flooding.
However, other kinds of damage classified as “flood damage” under standard home insurance and flood insurance policies aren’t quite so obvious. In other words, your house doesn’t need to flood with rainwater to sustain “flood damage.” As specified in typical homeowners and flood insurance policies, flood damage also includes:
- Rain damage
- Storm surge damage
- Mud damage
It’s a guarantee that your existing home insurance (or any home policy you’re considering for purchase) won’t cover the above events
Where Can I Buy Flood Insurance in South Georgia?
The overwhelming majority of flood insurance policies across the US—including in Georgia—are sold under the National Flood Insurance Program (NFIP). The NFIP is administered by the Federal Emergency Management Agency (FEMA).
To purchase FEMA flood insurance, you must go through an NFIP-Direct-affiliated agency. Tompkins Insurance Agency has sold flood insurance through NFIP for many years.
What type of Flood Insurance Do I Need?
NFIP flood insurance policies come in two types:
Tompkins Insurance Sells FEMA Flood Insurance
If you’re shopping for flood insurance, we’d love to hear from you! As an NFIP-Direct-affiliated agency, we can help you find and purchase an appropriate flood insurance policy.
We’re glad to speak with you about flood insurance and to answer all your questions too. For a free flood insurance quote, call Tompkins Insurance today at (912) 262-1609! Or go to our contact page for a free online flood insurance quote.