Flood damage is NOT covered by a NC homeowners insurance policy. You will have to purchase a separate Flood Insurance policy to protect your property from damage from a flood. If you are not in a high risk area, flood insurance is very inexpensive and is based on the replacement value of your home and the amount of coverage desired for your personal property. Every home in North Carolina is in a flood zone and subject to flooding. Flood maps are used by the National Flood Insurance program to determine how likely flooding is to occur in different areas which is used to determine the cost of flood insurance.
We have had some rain storms dumping up to 6 inches of rain and waters have come close to our home but so far, no damage. Will my homeowners insurance policy cover if I do have damage from flooding to my home?
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About the Author: Tom Wiecek
President of the award winning protection team at Paramount Insurance Agency since 1997. As independent agents, Tom Wiecek and his team work for their clients, not for an insurance company. They focus on finding the right protection designed specifically for your needs at the lowest cost.