Shopping For A Flood Insurance Policy?
For better or for worse, mother nature doesn’t play favorites. Over time, certain areas are more likely to flood than others, but flood damage can happen to anyone. Get a quote for flood insurance today; Cincinnati General Insurance Agency, LLC can help you with a flood policy through the National Flood Insurance Program (NFIP).
If you live in certain areas with greater odds of flooding and have a mortgage, federal law may require you to have flood insurance. But even if you’re not required to have flood insurance your home could still be at risk.
Please note: Your homeowners insurance policy includes no coverage for flooding.
Flood Insurance Coverage
Flood insurance covers the structure of your home and your personal property from, well — flood damage. But here’s the thing; regular water damage and flood damage can be separate, specific conditions when it comes to property insurance.
How Far In Advance Should I Buy Flood Insurance?
Most flood insurance policies require a 30-day waiting period before the coverage is effective. Exceptions are only made for a few specific circumstances such as if you’ve purchased a new home and the closing is in less than 30 days. Payment OptionsFlood policies must be paid in full. In many instances the payment can be rolled into your mortgage.
We have been extremely happy with the service that we have received from Cincinnati General Insurance. They go out of their way to find the best insurance policies for both our house and our cars. They also get back to us immediately for any information that we need or when we haJim and Christie B.
Please note: the information provided here is of a general information nature and is accurate to the best of our ability. We are insurance agents and not insurance experts. Please consult your own policy and with your own agent for specific coverage questions and concerns.