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Flood Insurance in West Virginia

Whether you live in an area that is often flooded or not, having flood insurance is always a good idea. In West Virginia, flood damage is not covered by your homeowner’s policy. And when you realize that floods cause the highest amount of damages in our state, it really does make sense to have a flood insurance policy in place. A homeowner’s policy is not going to provide the protection you need if your property or belongings are damaged in a flood. At Smith Insurance Agency of West Virginia, we can help guide you through the process of getting the right protection for your home or business in the greater Kingwood, WV area.

Do Not Rely On Emergency or Disaster Services

Many people decide not to get flood insurance because they mistakenly believe that their damage will be covered by the government through FEMA. In the event that the flood that damages your home or business is declared a Federal Emergency, then yes it will be covered, otherwise, you are on your own. Yes, it is imperative to have flood insurance if you live near a creek or lake, or other areas that experience a lot of flooding. But even if you don't live in such a location, flood insurance is always a good idea. Flood damage can occur due to a storm that causes flash flooding but is nothing on the scale that would require classifying the event as an emergency. In such an event, you will be happy to know that you have adequate insurance to cover the damage to your home and lessen the disruption caused in your family's life.

Want to learn more about your flood insurance options? Call or stop by and the friendly agents at Smith Insurance Agency of West Virginia can help you make sure that your property and possessions are protected in the event of a flood in the greater Kingwood, WV area.