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McInnis Insurance Services, Inc.

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Home > Blog > Flood Insurance
WEDNESDAY, SEPTEMBER 30, 2020

Flood Insurance

Does your Homeowners policy cover Flood?  The answer is NO.  You must get a separate policy for flood and depending on the circumstance you may have a 30 day waiting period.  I always hear people say,  I'm not in flood zone so I don't need flood Insurance but everyone is in a flood zone whether it is  A or X you are in a flood zone.  The difference is flood zone  A  is a high hazard  area  and zone  X is a preferred area.   Mortgage Companies require you to purchase if  your home is located in high hazard zone  and it is not required if in preferred zone.   I also get asked all the time, Do I need flood insurance even though it is not required  and my answer is YES  everyone needs flood insurance to protect themselves regardless of whether they  are located in a high hazard flood zone or  preferred zone.   We have all seen the effects that flood has had on  Louisiana over the last 15 years. Most recently with Hurricane Laura in Lake Charles.        
Posted 3:07 PM

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