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Floods can occur anywhere and anytime, even where you think it could never happen. Damage from a flood can be extensive and costly to repair.  Find out how Ashley Insurance Agency can help protect your property interests that are susceptible to flood damage. 

Flood Insurance

Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

Private Flood Insurance Programs

As an alternative to the government-backed program, these providers can offer significant savings on a similar policy.  Plus, you can get greater coverage options and higher coverage limits. 

FEMA Mapping

The Federal Emergency Management Agency’s (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.

NFIP Coverage

The National Flood Insurance Program (NFIP), established by Congress in 1968, offers flood coverage to homeowners, renters and business owners if the community participates in the program.  When you purchase flood insurance from a company that participates in NFIP, you get a policy backed by FEMA.

If your home sits within the 100-year flood plain, there is a 1 in 4 chance that your home will flood during a standard mortgage loan term. That is far greater than the risk of a fire or lightning strike. 

Understand your risk. Check out the West Virginia Flood Tool


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