Insurance Baton Rouge

Many Louisiana businesses and homeowners go without flood insurance. Some people figure the odds are low that anything will happen, while other people think that a flood is covered under their current policy. Let us correct you; unless you have added flood insurance coverage, it is excluded. We agree that the probability is low, nonetheless, it does exist. Now is the time to consider flood insurance.

Flood Insurance Concerns

Your homeowner’s insurance does not cover floods.  Flood insurance requires a separate policy that is especially for floods. If you do not have one, you are not covered.

You may need flood insurance even if you live outside the flood plain. Flooding can occur anywhere. In fact, 30% of flood damage occurs outside the “flood plain.”

If you decide you want flood insurance, you will need to secure coverage as soon as possible.  There is a 30-day waiting period before policies can be bound.

There are flood polices for condominiums and apartments as well.

If your home is in a flood zone, the National Flood Insurance Program (NFIP) offers coverage and Fourrier Agency, Inc. can help you secure affordable coverage. If you have property that had grandfathered rates, we can offer help. We will review your property and location and review the NFIP and other private markets with whom we have relationships with. We bring our expertise to provide you with the best possible combination of coverage, price and service.

 

Posted 12:01 PM  View Comments

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