Why You Need Flood Insurance

Many Georgia homeowners are surprised to learn that standard homeowners insurance does not cover flood damage. Our team at Esquire Insurance Services of Georgia can help you learn about your actual flood risk and guide you through the process of securing flood insurance.

Understanding Home Insurance Exclusions

A common misconception is that homeowners insurance will pay for repairs if your home is damaged by flooding. In reality, most home policies specifically exclude flood damage. This means that if rising water from heavy rain, overflowing rivers or flash floods damages your property, you could be left to cover the costs on your own.

Why Flood Insurance Matters in Georgia

Georgia has rivers, lakes and low-lying areas that are prone to flooding. Regardless of whether you live in a designated flood zone, unexpected weather events can still put your home at risk. Flood insurance can fill this gap by cover damage to your home’s structure and your personal belongings caused by flooding.

Risks of Going Without Flood Insurance

Without flood insurance, homeowners may face significant financial hardship after a flood event. Repairing floors, walls, electrical systems and replacing damaged furniture or appliances can be costly. Federal disaster assistance is not guaranteed and often comes in the form of loans that must be repaid. Having a dedicated flood insurance policy can help you recover more quickly and with less financial strain.

Secure a Policy Today

Esquire Insurance Services of Georgia helps Georgia homeowners assess their flood risk and find suitable coverage. Contact our team today to explore your flood insurance options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.