{"id":173,"date":"2023-11-17T04:00:00","date_gmt":"2023-11-17T10:00:00","guid":{"rendered":"https:\/\/www.suretyins.com\/blog\/?p=173"},"modified":"2023-11-30T03:46:40","modified_gmt":"2023-11-30T09:46:40","slug":"how-can-homeowners-get-flood-insurance","status":"publish","type":"post","link":"https:\/\/www.suretyins.com\/blog\/how-can-homeowners-get-flood-insurance\/","title":{"rendered":"How Can Homeowners Get Flood Insurance?"},"content":{"rendered":"<p><span style=\"color:#0e101a\">Homeowners in Alabama sometimes face the threat of floods, but flood coverage is commonly excluded from standard homeowners insurance policies. Here&rsquo;s how homeowners in the state can get flood insurance.<\/span><\/p>\n<h2><span style=\"color:#0e101a\">Understanding Flood Insurance Basics<\/span><\/h2>\n<p><span style=\"color:#0e101a\">Flood insurance isn&rsquo;t typically included in standard homeowners insurance policies. It&#8217;s a separate policy that covers damage to your home and belongings caused by flooding. This insurance is especially important in flood-prone areas of Alabama.<\/span><\/p>\n<h3><span style=\"color:#0e101a\">Steps to Get Flood Insurance:<\/span><\/h3>\n<p><span style=\"color:#0e101a\">Getting flood insurance is a simple process, but you generally have to do it before potential flooding is imminent:<\/span><\/p>\n<ol>\n<li><span style=\"color:#0e101a\">Assess Your Flood Risk: Check flood maps for your area to understand your risk level. Our agents at Surety Ins Inc. can help you check FEMA flood maps.<\/span><\/li>\n<li><span style=\"color:#0e101a\">Find the Right Provider: Flood insurance can be purchased through the National Flood Insurance Program (NFIP) or private insurers. NFIP policies have set coverage limits. For more extensive coverage, consider a supplemental policy from a private insurer. Our agents can help you explore both options.<\/span><\/li>\n<li><span style=\"color:#0e101a\">Consider Waiting Periods: NFIP policies typically have a 30-day waiting period from the date of purchase before the policy goes into effect. Private insurers usually also have waiting periods. This is why a policy is needed before a flood.<\/span><\/li>\n<li><span style=\"color:#0e101a\">Purchase Policy: Actually purchase your chosen policy. Again, our agents can assist with this.<\/span><\/li>\n<li><span style=\"color:#0e101a\">Send to Lender: If your lender requires flood coverage, give your insurance agent the lender&#8217;s address. They&#8217;ll send over documentation showing that coverage has been purchased.&nbsp;<\/span><\/li>\n<\/ol>\n<h3><span style=\"color:#0e101a\">Surety Ins Inc. Is Here To Help<\/span><\/h3>\n<p><span style=\"color:#0e101a\">If you need assistance with flood insurance, contact us at Surety Ins Inc. Our team is dedicated to helping you understand your flood risk, and we&rsquo;ll make sure you find the right insurance solution to protect your home.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Homeowners in Alabama sometimes face the threat of floods, but flood coverage is commonly excluded from standard homeowners insurance policies. Here&rsquo;s how homeowners in the state can get flood insurance. Understanding Flood Insurance Basics Flood insurance isn&rsquo;t typically included in standard homeowners insurance policies. It&#8217;s a separate policy that covers damage to your home and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[13,14],"class_list":["post-173","post","type-post","status-publish","format-standard","hentry","category-flood-insurance","tag-alabama","tag-surety-ins-inc"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/posts\/173","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/comments?post=173"}],"version-history":[{"count":1,"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/posts\/173\/revisions"}],"predecessor-version":[{"id":174,"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/posts\/173\/revisions\/174"}],"wp:attachment":[{"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/media?parent=173"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/categories?post=173"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/tags?post=173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}