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Flood Insurance

The Federal Emergency Management Agency (FEMA) runs a National Flood Insurance Program (NFIP) which provides flood insurance with few limitations. There are several insurance companies that offer excess insurance coverage across the country. It’s important to understand some of the facts about this policy to dispel the myths confusing people about its descriptions and significance in their lives.

When floods are declared a national disaster

A larger percentage of all the natural disasters that happen in the country revolves around some flooding with about 80 percent of flood-related insurance claims being filed in high flood-risk areas. In most cases, FEMA offers support in times of tragedy when a presidential declaration has termed the floods a national disaster. Hence, it’s important to consider investing in flood coverage that will protect you against flood damages even when the floods haven’t been declared a national disaster by the government.

Descriptions of the insurance policy coverage

Although a comprehensive auto insurance policy can protect your flood-related damages, you cannot get coverage using a standard homeowner’s and renter’s insurance unless it’s through the federal government.

The policy is available through NFIP to the communities that participate in the program. However, you can cheaply buy the policy from a company representative to insure yourself against these flood-related losses. Search for an agent or company that services the NFIP insurance policies. You can insure your property on a cash value basis as well as the home’s structure on a replacement basis.

The NFIP insurance policy is affordable and starts at $112 payable yearly. According to FEMA, the amount can increase up to a maximum of $250,000 depending on the amount of coverage needed and the level of flood risk expected in your area of residency. The assets of your home can get an amount of up to $100,000 per year.

With the 30-day grace period before the policy becomes effective, you shouldn’t wait to determine your level of flood risk and purchase an insurance policy from an insurer that will cover your flood damages over and above the limits of the NFIP insurance policies. Don’t just wait for the loan reliefs provided by the federal government during times of floods.

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