View Mobile Site

Hudgens: Flood insurance can be valuable

POSTED: March 14, 2018 6:13 a.m.

Flood Safety Preparedness Week in Georgia is March 11-16, and Insurance Commissioner Ralph Hudgens wants to remind Georgians that a flood insurance policy can be a valuable addition to standard homeowners, renters, and business owners’ coverage.

“Purchasing flood insurance should be an important consideration for all consumers, even if you think flooding is unlikely in your area,” Hudgens said. “It is estimated that between 20 and 25 percent of flood claims are filed by people living outside of mapped high-risk flood areas.”

Flood insurance coverage for a home (up to $250,000) or business (up to $500,000) is available from the federally backed National Flood Insurance Program (NFIP).

A standard flood policy from NFIP will cover flood damage to the building, as well as the furnace, water heater; air conditioner, floor surfaces (carpeting and tile) and debris clean up. In most cases, renters insurance is available for tenants to insure the building and/or contents.

NFIP flood insurance can be purchased directly from any state-licensed property and casualty insurance agent or insurance company if the community participates in the NFIP.

An insurance agent can confirm whether flood insurance is available and what it would cost. Consumers can also check the NFIP’s Community Status Book to see if their community is a partner.

It is very important to plan ahead – a flood insurance policy will not go into effect until 30 days after the policy is purchased.

For more information about flood insurance, to rate risk and even estimate what a flood policy would cost, visit or call the NFIP at 1-888-379-9531.

Login to post a comment

You must be logged in to post comments. Login › encourages readers to interact with one another. We will not edit your comments, but we reserve the right to delete any inappropriate responses.

To report offensive or inappropriate comments, contact our editor.

The comments below are from readers of and do not necessarily represent the views of The Newspaper or Morris Multimedia.


  • Bookmark and Share

Please wait ...