In its most basic terms, a flood is simply when there is an excess of water on land that is normally dry. Flooding can cause serious damage and even destroy your Raleigh, NC home. Unfortunately, flooding is not covered under a regular homeowners policy. Craig Insurance Group can help you assess your risk, so you can decide if flood insurance is right for you and your family.

What Kinds Of Incidents Are Covered By Flood Insurance?

There are some kinds of water damage and mold that may be covered by your homeowner’s insurance, such as when a storm causes direct damage to your roof and allows water in. Here are the kinds of events that are covered by flood insurance:

• When a river, lake, or other body of water overflows its banks.
• When a hurricane causes a storm surge.
• If there is heavy rain that causes water to build up faster than it can drain.
•  A mudflow or mudslide.
• When a large amount of snow melts and manages to get into your home.

What Is Protected By Flood Insurance?

If you have flood insurance, you have protection for:

• your home itself and any unattached buildings on your property,
• plumbing, HVAC, electrical, and gas systems, 
• small and large appliances,
• furniture,
• curtains and carpeting,
• clothing,
• and other personal items such as books and cell phones.

Call Today To Discuss Your Options

If your home or business is in Raleigh, NC, you may experience flooding at some time in the future. Flood insurance is often the only way to get protection from those kinds of damages. If you have any questions about flood insurance or if you would like to discuss your policy options, please feel free to call Craig Insurance Group today.