ROANOKE, Va. (WFXR) — Tropical storms and hurricanes are known to leave damage in their path. By producing strong winds, inland flooding, and tornadoes, these tropical systems pose a threat to life and property.
Once the storm is over, you’ll want to make sure that your homeowners insurance can cover home repairs if needed.
Inland flooding is a high risk in Southwest and Central Virginia during tropical storms and hurricanes. Typically, standard homeowners insurance doesn’t cover flooding. Since inland flooding is hazard in Southwest and Central Virginia, consider buying a separate flood insurance policy. Check with your insurance provider, agent, or the National Flood Insurance Program to learn more. Visit floodsmart.gov to learn more about the National Flood Insurance Program (NFIP).
According to the NFIP, the price of flood insurance is determined by the home’s age and location. While flooding can occur anywhere, certain locations fall under a high-risk, moderate-risk, or low-risk for flooding. The Federal Emergency Management Agency (FEMA) offers current flood maps to the public on their Flood Map Service Center website. To find flood risks and hazards where you live, click here.
Know where your insurance documents are located at all times. You may need to take these documents with you in the event that you have to evacuate.
Be aware; when signing up for flood insurance, there is a 30-day waiting period. It’s important to consider getting flood insurance well before the start of Atlantic Hurricane Season, which begins June 1.
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