The Federal Emergency Management Agency (FEMA) defines a flood as an overflow of water over 2 acres or more or two properties or more. The water needs to be bywater caused by heavy rain or an extreme river or coastal overflow. Flood management in Alabama is a common household conversation, with several high-risk flood zones across the state. One day, it's a conversation. The next is a crisis.
At Southern Risk Associates, we want Alabama residents to be prepared for a flood emergency with flood insurance.
Flood insurance is coverage that will pay for damages to your property and its contents during a flood. Flood insurance is not mandatory for Alabama residents and is not required by law.
You may be required to carry flood insurance if your mortgage lender asks you to do so. Alabama's residents living in a high-risk flood zone may be more likely to have a lender require flood insurance. If you own your home outright, it would be up to you to determine if you want to carry flood insurance. It is never a bad idea to have some coverage.
Flood insurance covers the building and the contents of your home. All utility systems, including electrical and plumbing, will be covered. Any permanent fixtures or flooring will be covered, window dressings, walls, and even your stairwells are covered.
For contents, your clothing and furniture will be covered, as will all major and minor appliances. Minor appliances might include window air conditioners and microwaves. Your valuables, including artwork and fur, could also be covered, but this coverage will likely be capped.
If you need more coverage than this, we would be happy to help you design the policy that best meets your needs.
When you are looking for flood insurance in Foley, AL, contact Southern Risk Associates for help. Adding flood insurance to your home insurance bundle is easy. Call us for a flood insurance quote today.