Flood Insurance in Charlotte, NC
North Carolina’s mix of heavy rains, hurricanes and rapid development often puts locals at risk of flooding. Flood insurance may provide financial protection in case floodwaters damage or destroy your property and personal belongings.
Who Needs Flood Insurance?
Homeowners, renters and business owners throughout Charlotte, NC and surrounding communities may benefit from this coverage, which is not typically included in standard home, renters and commercial property insurance. Mortgage lenders may require flood insurance for properties in high-risk areas, but anyone concerned about flood risk should consider a policy.
What Does Flood Insurance Cover?
Flood insurance policies may help cover losses caused by rising water, such as those from overflowing rivers, flash floods or storm surges. Coverage may include:
- Structural damage to your home or business
- Electrical and plumbing systems
- Appliances and built-in fixtures
- Personal belongings, such as furniture and clothing
- Inventory and equipment for businesses
It’s important to note that coverage details can vary, and certain items or types of damage may not be included. Our team can help you review your options and select a suitable policy.
How to File a Claim
If you experience flood damage, contact your insurance agent immediately to initiate your claim. Document all damage with photos and a detailed list of lost items. An adjuster will inspect your property and review your claim. Keep all receipts for repairs and communicate promptly with your insurer for a smoother process.
We’re Here to Help
Our team at The Austin Agency offers flood insurance policies at favorable rates. Contact us today to speak with one of our local insurance professionals or to get a personalized quote.