What Does Flood Insurance Cover?

Building Property Coverage

Protects the structure of your home, including walls, foundation, and built-in appliances, against flood damage, ensuring your property can be restored.

Personal Property Coverage

Covers personal belongings, like furniture, clothing, and electronics, if they’re damaged in a flood, helping you replace items essential to daily life.

Debris Removal and Cleanup

Helps cover the costs of removing debris and cleaning up after a flood, so you’re not left dealing with the aftermath alone.

Building Property Coverage

Protects the structure of your home, including walls, foundation, and built-in appliances, against flood damage, ensuring your property can be restored.

Personal Property Coverage

Covers personal belongings, like furniture, clothing, and electronics, if they’re damaged in a flood, helping you replace items essential to daily life.

Debris Removal and Cleanup

Helps cover the costs of removing debris and cleaning up after a flood, so you’re not left dealing with the aftermath alone.

Flood Insurance in North Carolina:

What You Should Know

North Carolina’s coastal areas and unpredictable weather make flood insurance a vital protection for many homeowners. Since most standard home insurance policies don’t cover flood damage, a separate flood insurance policy ensures you’re protected from potential risks. At Sizemore Insurance, we’ll guide you through finding the right coverage based on your location, so you can stay prepared for whatever nature brings.

Frequently Asked Questions

Is flood insurance required if I live near the coast in North Carolina?

While it’s not required by law, flood insurance is often mandated by mortgage lenders in flood-prone areas. We can help you determine if it’s necessary for your location.

Does flood insurance cover only natural flooding?

Yes, flood insurance generally covers water damage from natural flooding events, such as hurricanes, storms, or heavy rainfall. We’ll help clarify what’s included in your policy.

How do I know if I need flood insurance?

If you live in a flood-prone area or near bodies of water, flood insurance is highly recommended. We can assess your area’s risk to help you decide if coverage is a good fit.

Is there a waiting period for flood insurance to take effect?

Yes, flood insurance typically has a 30-day waiting period before it becomes active. We’ll ensure you’re aware of any waiting period requirements as you plan your coverage.