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Flood Insurance

Appalachian Insurance Agency proudly serves the residents of Georgia with flood insurance coverage. In 2017, there were six significant hurricanes out of ten with speeds exceeding 110 mph. For a hurricane season, it was one of the costliest seasons in a single year, ranking behind 1961 and 2005. The storm season begins typically on June first and ends on November 30th, but in 2017, Arlene was the first tropical storm that was formed on April 20, 2017.

From August to September the 2017 season witnessed ten continuous hurricanes of historical importance because the last time a similar grouping of storms converged on the United States was in 1878, 1886, and 1893. In 2017, 282 people died with the cost of 15 billion dollars for these storms in the United States. The damage was almost biblical as a result of floods, drought, wildfires, life-threatening storms, and a freeze. Georgia's most significant threat was a hurricane named Erma. Erma's power was so impressive that it created a new island off the Georgia coast.

How To Protect Yourself from Floods

The only protection that a Georgia resident has is flood insurance. Homeowner's insurance policies typically do not cover floods. However, there is a separate policy for flood insurance. Over 100 thousand people in Georgia have purchased a flood insurance policy which covers the building or home's structure and the contents. Flood Insurance policies are not all the same because there are different levels of flood insurance depending on your needs.

The Federal government has a disaster relief agency, the Federal Emergency Management Agency (FEMA), that offers flood insurance to supplement private insurance. Unlike private insurance, FEMA offers low-interest loans. FEMA also divides the country into regions. Georgia is in the fourth region.

The flood insurance offered by FEMA is through the National Flood Insurance Program (NFIP) which will offer up to $25,000 depending on the situation. When that amount does not cover the damages, FEMA permits the consumer to purchase an Excess Flood Insurance Policy.

Appalachian Insurance Agency of Georgia has agents that will discuss all your flood insurance needs. Reach out to our offices to learn more about a policy and how to get a quote.