Flood Insurance in Alabama

Do you live in Alabama and are considering flood insurance?

Did you know that it only takes a few inches of water to cause serious flood damage, resulting in expensive home repairs? Flood insurance is not covered in your regular homeowner's insurance in the state of Alabama. Flood coverage can safeguard homeowners from damage from heavy and lengthy rain falls and storm surges. It can also protect against things like blocked storm drainage systems. Talk to Will Wright Agency Inc. for more information on what it specifies.

Local Residents

There are some important things to note when talking to a qualified flood insurance agent at Will Wright Agency Inc. in Decatur, AL. One is that the city of Decatur put floodplain controls into effect, so residents can be eligible for federal assistance. This allows Decatur residents who have homes located in an area that's considered a flood hazard to purchase flood insurance at a small cost.

A standard policy covers those that participate in the National Flood Insurance Program, and it also covers houses and contents. Water that comprises at least two acres or affects at least two properties is considered a flood. There is a preferred policy for those who are in a low to moderate risk flood zone. Those individuals may qualify for a low-cost policy. In the state of Alabama, there is no state requirement to purchase flood insurance. A preferred policy protects your home and contents if affected by a small flood, or even a larger flood that extends into low-risk areas.

Flood insurance is important insurance to have. Often, there are more flood claims from low to moderate risk areas. It's also crucial that you understand your needs and your rights. You should also know exactly what you're getting with your flood insurance. Visit your local Will Wright Agency in Decatur, AL to discuss your flood insurance needs.