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1/11/2019 (Permalink)

Water Damage and Insurance in Sumner County

 SERVPRO® of Sumner County wants to create community awareness about the potential risk of flood and water damage. Here are some insurance tips from FEMA about flood insurance. Most insurance rates vary by company and the rules vary by state. Flood insurance is an exception.

Most property insurance does not cover flood damage.

Some homeowners’ policies will cover water damage if the damage came from:

  • Sewer or drain backup
  • Sudden and accidental damage from plumbing, heating systems or air conditioning

Additionally, some policies will also include mold remediation, but not if a flood caused the problem.

How to get flood insurance in Sumner County

  • Check whether your community participates in the National Flood Insurance Program (NFIP). You can still get flood insurance if you live in a low-risk area and many times the insurance will cost less if you live in a low-risk area.
  • Find an insurance agent in Sumner County. The NFIP is the only flood-insurance provider, but the government does not sell it. The NFIP sets the rates and you can purchase the policy through your local insurance provider.
  • If your insurance agent is unaware of the NFIP, you can reach out to the help center at 800-427-4661

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