Flood Insurance in Decatur, GA

You might assume that you are good to go since you already have a homeowner’s insurance policy . After all, it covers your entire home. And while that might (or might not) be true, it only covers it against specified perils. And homeowner’s insurance policies pretty much never cover flooding. To get flood coverage, you need a separate National Flood Insurance Program (NFIP) flood policy through an insurance agent. So, what types of flooding are covered? There is a saying in the insurance world that applies in most cases: if the flooding comes from the top down, it’s covered; if it comes from the bottom up, it’s not. So flooding as result of a leaking roof gets coverage. Flooding from rainwater overflow running into your house from the street is not.