P.O. BOX 500654 Atlanta, GA 31150


Protection Against Home Flooding

Flood Insurance

Living on a hill or on an elevated plot of land can assist in your home not being flooded, but it is not a guarantee that you can avoid the risk losing your property catastrophic flood. Flood insurance covers a dwelling that has a loss associated with water damage as a result of outside rising water or mudflow originating from nearby bodies of water. More than 25% of the National Flood Insurance Program’s claims are filed outside of high-risk areas, are affected by flooding and receive one-third of disaster assistance for flood claims. Basements and any level below ground are covered under a flood policy and include cleanup expenses, as well as coverage for items used to service the building; elevators, furnaces, hot water heaters, washers and dryers, air conditioners, freezers circuit breakers, etc.

Flood Stock Photos

Flood Insurance Facts

  • Flood insurance can be purchased at any time.
  • There is a 30-day waiting period before coverage beings if the policy premium has been paid in full.
  • Flood insurance is not covered under a homeowner’s policy.
  • Flood insurance protects homes, condominiums, apartments and non-residential buildings, including commercial structures.
  • For single-family and multi-family residences, coverage is available at a maximum of $250k, while personal property is an option up to $100k, which is extended to renters.
  • With a commercial flood policy, coverage for both the structure and contents in the building can be covered up to $500k.