With the recent flooding, we have been receiving calls regarding what is covered, can I get flood insurance, and more. Below are a few common questions along with the answers which we hope you'll find helpful.
Q. Isn't flood covered on my homeowners insurance policy?
A. No, flood damage to both your home and personal property is excluded from coverage on ALL homeowners policies. Flood insurance is only available through the National Flood Insurance Program (NFIP) that is overseen by FEMA (Federal Emergency Management Agency).
Q. Can I even get flood insurance if I'm not in a flood plain?
A. Yes, as long as your community participates in the National Flood Insurance Program (NFIP). In fact, if you are not in a designated flood plain, the cost of flood insurance is considerably lower than those that are.
Q. Do I have to buy flood insurance for my car?
A. No, flood damage is covered under "Comprehensive" physical damage on your personal auto policy.
Summer has flown by and we are now back to our normal office hours. The Dodgeville office is open Monday-Friday 8am to 5pm. The Mount Horeb office will be open by appointment on Monday's and 8:30 am-5pm Tuesday-Friday.
