Flood Insurance
Don't wait for a named storm to call about flood insurance
Your homeowners policy doesn't cover flooding
Standard homeowners insurance does not cover flood damage from rising water — not from a hurricane, not from storm surge, not from a creek that overflows after heavy rain. Flood coverage must be purchased separately, and there's a 30-day waiting period before it takes effect.
Brian King and his team help NC and SC homeowners understand their flood risk and evaluate whether an NFIP policy, a private flood policy, or both makes sense for their property.
What flood insurance actually covers
A flood policy covers direct damage from flooding — water rising from the ground, not water falling from the sky.
- Dwelling (Structure) Coverage
- Foundation & Structural Elements
- Personal Contents
- Electrical & Plumbing Systems
- HVAC Equipment
- Debris Removal
FAQ
Frequently Asked Questions
Do I need flood insurance if I'm not in a flood zone?
Yes, often. More than 20% of NFIP flood claims come from properties outside high-risk flood zones. In NC and SC, where hurricane and tropical storm activity is real, it's worth evaluating your risk regardless of your FEMA designation.
How long before flood insurance takes effect?
Standard NFIP policies have a 30-day waiting period. This is why flood insurance must be purchased before a storm is forecast — once a storm is named, it may be too late.
What does flood insurance cover vs. my homeowners policy?
Homeowners covers water that enters from above (burst pipe, roof leak). Flood covers water that rises from the ground — storm surge, overflowing rivers, saturated ground.
Ask About Flood Coverage
Tell us about you — we'll take it from there.
Don't wait until a storm is named — call now