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Update Your Flood Insurance Policy Before It’s Too Late

Hurricane Insurance Coverage

Hurricanes and tropical storms can cause catastrophic damage along the Carolina coastline and several hundred miles inland. Protecting your family and property begins long before a storm is on the horizon. AAA Insurance is here to help, but it’s essential that you plan in advance.

New flood insurance policies or additional coverage cannot be purchased after the federal government issues a tropical storm or hurricane watch. That is why it’s so important to evaluate your current insurance coverage needs now.

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People often think of powerful wind when preparing for hurricanes, but storm surge and inland flooding can exceed the damage from wind.

Don’t wait to purchase Flood Insurance

According to data from CoreLogic, Charleston and Myrtle Beach are two of the top 15 metropolitan areas for storm surge risk, and a total of 360,000 homes in South Carolina are at risk of damage from hurricane storm surge. North Carolina doesn’t have any cities in the top 15, but there are still 265,000 homes at risk.

A standard homeowners policy isn’t enough to protect you from the damage of a hurricane’s storm surge. It’s a common misconception that flooding is covered by homeowners insurance, but only flood insurance covers flood damage.

Flood insurance policies can be purchased or coverage increased at any time before a tropical storm or hurricane watch is announced, but there is typically a 30-day waiting period before the policy becomes active. This is why it’s important to be proactive in managing your coverage.

Call 1-866-315-1252 to speak with a AAA Insurance agent and get the coverage you need.

Planning ahead for Inland Flood coverage

Carolinians living further inland are also at risk of flood damage. Heavy rainfall deposited by slow moving storms can cause widespread flash flooding. According to FEMA, more than 20 percent of flood claims come from properties outside of high-risk flood zones.

AAA is the first in the Carolinas to offer Inland Flood Coverage, giving homeowners affordable protection in low to moderate flood risk areas.

Policies can only be purchased with a new homeowners policy or when renewing your current policy. Contact your local AAA agent today to see if you are eligible for this coverage.

Protecting your vehicles from storm damage

Protecting your home is of the utmost importance, but don’t neglect your vehicles in the process. Adding collision and comprehensive coverage to your existing policy can ensure your vehicles weather the storm as well.

Collision coverage comes into play if the rain from a hurricane causes your car to hit or be hit by something while comprehensive coverage insures your vehicle against damage from flood waters, heavy winds, tornados and more.

Evaluate your current home and auto coverage and ensure you’re protected long before it’s too late by calling the AAA Insurance experts at 1-866-315-1252 or stopping into a AAA Insurance branch.

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Additional resources for advanced hurricane preparation:

Make an inventory of belongings

Secure your property

Protect your car

 

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