Flood Insurance

While flood insurance may not be is not a legal requirement for your property or business, coastal areas such as Savannah, Tybee Island, Bluffton, Beaufort and beyond does do experience flooding from time to time, especially during hurricane season, which spans several months of the year. Therefore, it’s always a good idea to be proactive in the event of unforeseen damage. Flood insurance covers structural damage to your home and damage to personal property, inclusive of furniture and other valuable items.

Here are a few of the reasons why we advise you to get flooding insurance:

• Most areas in Georgia and South Carolina that are prone to flooding are not along the coastline in those states
• Georgia and South Carolina chart receives rainfall that can sometimes lead to flood damage
• Most insurances don’t cover flood damage – Covenant Insurance agents are well-armed with a variety of insurance carriers who provide this peace of mind coverage.

How to Purchase Flood Insurance

Most residents in the Pooler, GA area and beyond purchase flood insurance through the National Flood Insurance Program (NFIP). NFIP policies have limitations to their coverage. In addition, NFIP only covers homes located within a region active in the program.

At Covenant Insurance, we encourage our clients to purchase enough flood coverage to cover the cost of repairs, rebuilding, and replacing damaged items and property during the flood. If you are looking for flood insurance, we can help.

When to Purchase Flood Insurance

When purchasing flood insurance, consider that the law exempts residents from a 30-day waiting period for flood insurance coverage to become effective. Therefore, we advise our clients to buy their coverage early enough. In addition, the NFIP coverage will only last you a year after that, and you’ll need to renew it.

Contact Covenant Insurance today for your flood insurance coverage needs. We understand flooding is a natural disaster, and an inch of floodwater can cause immense damage.