Flood Insurance Baton Rouge
Floods usually strike without warning. They occur in all 50 states. With the construction of more roads, shopping malls, homes and businesses, the chance of flooding increases.
Millions of buildings have been damaged over the last several years. People have lost their homes and belongings, and they never saw it coming. Are you insured against such a hazard?
Floods can happen almost anywhere, so be prepared! Truth be told, you can live miles away from water and still be a victim of flooding. According to the National Flood Insurance Baton Rouge Program (NFIP), more than 1 out of 5 flood claims occurs outside of the mapped high-risk areas. Just a few inches of flood water in your home can cause tens of thousands of dollars in damage. Flooding is NOT covered in a standard homeowners, renters or business insurance policy. But do not fret, fortunately, flood insurance is available to almost everyone. Contact us at The Brignac Group when you want genuine service and a trusted insurance partner for your flood insurance. We are the final piece to your flood insurance puzzle.
NOTE: Unless your lender requires flood insurance Baton Rouge when making, increasing, extending or renewing a loan on a building in a high-risk area (which there is no waiting period), flood insurance Baton Rouge does not go into effect immediately. Typically flood insurance Baton Rouge policies have a 30-day waiting period from the date of purchase.
Also many people believe federal disaster assistance will cover them. NOT ALWAYS! The president of the United States must first declare a flooded region “a federal disaster area” before federal disaster assistance can be made available to property owners. Not all flood events result in a presidentially declared disaster. Federal Disaster Assistance is not always available. Lastly, any federal disaster assistance you receive is usually a loan that has to be repaid with interest.
What is covered by flood insurance Baton Rouge – And what is not?
Physical damage to your building or personal property “directly” caused by a flood is covered by your flood insurance Baton Rouge policy. For example, damages caused by a sewer backup are covered if the backup is a direct result of flooding. If the backup is caused by some other problem, the damages are not covered by flood insurance Baton Rouge.