In Your Corner: Flood damage and insurance

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BIRMINGHAM, Ala (WIAT) – The downpours have been more than an inconvenience for many people like Vicki Rogers.

“It was seeping up from underneath and I have tile floors, so I panicked. At first I had some extra down-spouts put in and that did not help so I had a sump pump put in and it’s working so far.”

Flood damage from rising waters is not covered under your home owner’s policy.

Instead you have to get that through the National Flood Insurance Program which is administered by the federal government.

The cost depends on what flood plain or zone you are in. It could be anywhere from a couple hundred dollars to thousands and thousands.

Local State Farm agent Ted Townley warns collecting on that coverage can be tough.

“In the 37 years I have been in this business, I have only known of two times where someone really qualified for the coverage, when they did have the flood insurance.”

“That’s an individual choice if you want to take the risk.

We have a lot of tornadoes and hurricanes that only happen every 200 years.

So would you buy when it’s that rare?

“Yes, generally you would,” explains Charles Angell, Insurance Department Deputy Director.

Keep in mind: 25 percent of flood claims come from areas which have a low to moderate risk for flooding. So weigh your options carefully and talk with your agent.

To find out more about the federal flood insurance program go to: http://www.floodsmart.gov/floodsmart/

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