Paducah, Kentucky has already had to install the flood gates this spring and the rainy season is not even over. While the water did eventually reside; one cannot help but be left with the worry of what might have happened if the waters had continued to rise? Many in low lying areas did not have to wonder. They experienced some flood damage even if it were minor. What is more concerning than the rising flood waters is that most homeowner’s do not realize that flood (meaning outside water coming in) is not a covered peril under a home insurance policy. In few instances an insurance carrier can offer flood as part of their policy but they are definitely in the minority. Flood is typically covered on its own independent policy.
Check with your agent if you are unsure whether or not you have flood coverage.
If you think you might be interested in flood coverage but don’t want to dedicate a lot of time to obtaining a quote then try the Bradshaw & Weil, Inc. quick quote option! Answering 7 questions will help you to determine whether or not you are in a flood zone and what your premium to obtain a policy would be.