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Flood Insurance

July 17th, 2016 / spore1955

What Is a Flood?

A flood is a general and temporary condition where 2 or more acres of normally dry land or two or more properties are inundated by water or mudflow. Your flood risk isn’t just based on history: it’s based on many factors that include current weather patterns, natural changes in the environment, and recent development in your community.

A flood is a general and temporary condition where 2 or more acres of normally dry land or two or more properties are inundated by water or mudflow. Your flood risk isn’t just based on history: it’s based on many factors that include current weather patterns, natural changes in the environment, and recent development in your community..

More than 20 percent of all insurance claims come from people outside of mapped High Risk Flood areas.

Flood damage can be devastating for any family, and most flood losses are not covered by your standard home insurance policy. Also, don’t rely on the federal government to assist you in the event of a massive flood situation.

Your standard flood insurance policy would apply to homes, condos, mobile homes, businesses and rentals. Typically, your flood insurance policy is dependent on your flood zone risk.

We have multiple options for your flood insurance in Kansas:

  • Building, contents, replacement cost coverages
  • Different coverage options available
  • Standard flood insurance coverage
  • Optional excess flood coverage
  • Affordable rates

Building coverage is designed to protect the structure of your home or business and cover appliances and other property items that are considered part of your property including air conditioners, dishwashers and cabinets. You will also want to consider coverage for your personal property as well, such as furniture and clothing.

Policies have different options so contact one of our staff at (316) 773-9710 for any questions you may have about your Kansas flood insurance policy.

For more information check out these site:

http://www.ksinsurance.org/autohome/storm-flood.php

 

https://www.floodsmart.gov/floodsmart/

http://www.fema.gov/cis/KS.pdf



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