Flood insurance is a great thing to have, but it becomes essential when you live in a region where floods aren’t uncommon. That being said, you might be wondering, is it going to be harder to find flood insurance if I live in an area where floods are not a once-in-a-lifetime event? After all, insurance companies have been known to pull out of certain regions when it becomes too expensive to insure people against certain threats. Let’s take a closer look at whether this is the case when it comes to flood insurance, and how to get flood insurance for your home with our support at Curtis Miller Insurance in Parkersburg, WV. 

Is It More Challenging to Get Flood Insurance in Flood-Prone Areas? 

Depending on where you live, it can be. If you live somewhere where floods are extremely common and extremely damaging to properties in the region, it may be harder to find private insurance options in the area because many have decided not to provide coverage in the region. If there are private insurance options, they tend to have much stricter underwriting and cost more than what the average homeowner might pay if they don’t live in a flood-prone region. If you have absolutely no options, you still always have the National Flood Insurance Program to fall back on, although it’s not ideal and not generally the best option if you can find alternatives. 

Get Covered With Flood Insurance Through Curtis Miller Insurance

Here at Curtis Miller Insurance in Parkersburg, WV, we help you understand your flood insurance options so that you don’t have to go through the process of doing all the research and comparing prices all by yourself. You can get started by comparing quotes now or reaching out to our team of experts for support. 

Floods tend to be out of mind as they are almost always out of sight. However, when a flood occurs, it has the potential to upend homes and lives. 

If you are like most people living in Parkersburg, WV, you aren’t exactly sure what flood insurance covers. Here’s the inside scoop.

Interior and Exterior Coverage

Flood waters can damage both the interior and exterior of a home. Even if you aren’t in a flood zone, there is the potential for heavy rain or even a flash flood to send water gushing toward your home. Curtis Miller Insurance is here to help. 

Even if you have homeowner insurance or renters insurance, you still need flood insurance. Flood insurance provides protection against rushing water that otherwise would not be covered by a general insurance policy.

Flood insurance covers damage to interior items within the insured building. However, flood insurance does not cover damage to most items outside of the property. As an example, decks, pools, patios, fences, trees and septic systems are typically not covered.

Mind the Small Print

Flood insurance policies often include language that details some surprising coverages and gaps in protection. As an example, if your property has a underground furnished space, the insurance might not cover specific items such as paneling, carpeting, window treatments, floor coverings or book cases.

In general, flood insurance coverage for crawlspaces and basements tends to be limited. Do your homework before choosing a policy. The analysis should include notation of earth movement clauses detailing property loss when ground soil moves. Gradual soil erosion, water accumulation, sinkholes or landslides are distinct from floods and noted as such in policies.

Contact Curtis Miller Insurance

If you are in the Parkersburg, WV market for insurance, we’ve got you covered. Give us a call today for a quote.