Flood Damages and Flood Insurance In North Alabama

1/19/2017 (Permalink)

In North Alabama we know how drastic the weather can be and how suddenly it can change. Also, for the cities like Florence and Muscle Shoals have properties that are near the Tennessee River putting the homes and businesses in jeopardy of flooding. It is important to know the terms associated with flooding and what kind of coverage you have on your home.

Flood Terms:

• Flood Watch: Flooding is possible.
• Flash Flood Watch: Flash flooding is possible. Be prepared to move to higher ground.
• Flood Warning: Flooding is occurring or will occur soon; if advised to evacuate, do so immediately.
• Flash Flood Warning: A flash flood is occurring; seek higher ground immediately.

Knowing About Flood Insurance: 

• Regular homeowners insurance does not cover flood water damages and when purchased from you insurance company is ran through the National Flood Insurance Program. 
• If there is sewage back up caused by a flood then it would be only be covered by flood insurance. 
• Upon the purchase of flood insurance there is a 30 Day waiting period before the insurance kicks in, so it is important to plan ahead. 
• Find out if  you are in a flood plain. If you are not you want to calculate the risk of not having flood insurance.