Flood Insurance in Kentucky

Just because you have a standard home insurance policy doesn't mean your Flatwoods, KY home is protected against every peril. If you want more comprehensive protection that won't leave you high and dry, Roark Insurance Agency can help you find the right flood insurance policy.

Do I Need Flood Insurance?

With all the laws surrounding insurance, figuring out which policies you need can be confusing. While there's no law that says you're required to have flood insurance in Kentucky, you do need flood insurance if you took out a mortgage from a federally regulated lender to purchase a home in a designated high-risk area.

Even if you're not required to have flood insurance, you should have flood insurance if your home is at risk. Flooding can lead to major damage that's expensive to fix, and it's not covered under standard home insurance policies.

If you're not sure whether your home is in a high-risk flood zone or not, you can look up a map of these zones in Kentucky.

How Does It Work?

In its simplest terms, flood insurance is designed to cover any damage that's caused by flooding. Floods don't just damage drywall and wood, they can also cause damage to your plumbing and electrical systems, carpeting, foundation, solar power systems, and more. Flood insurance protects every part of your Flatwoods, KY home in the event that a flood causes damage.

One thing to keep in mind is that certain types of flooding aren't typically covered. Sewer backups and other plumbing problems that can lead to flooding are only covered if the backup was caused by flooding in the first place.

Protect Your Home

As a homeowner, it's up to you to make sure you have the coverage you need to protect your property. Flood insurance can be a great way to complement your home insurance. If you want to learn more about flood insurance, contact an agent at Roark Insurance Agency today.

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