Flood Insurance Quote Forms
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Flood Insurance Information
Flooding is a serious risk with which many in the state of Virginia are familiar. Residents of Virginia Beach and Hampton, in particular, are at an increased risk for flooding, as the two cities are on the list of top 10 cities at risk for severe flooding over the next 30 years.
If you live in the Hampton or Virginia Beach area, you may need a flood insurance policy. A flood insurance policy will help cover expenses related to flood damage, so you don’t have to pay significant out-of-pocket expenses if your home floods.
The agents at Morgan Marrow Company are here to help those in Virginia learn more about flood insurance policies that may be available.
What Is Flood Insurance?
Flood insurance policies are designed to help cover the cost of personal belongings or damage to your home due to a flood. A general homeowners policy typically doesn’t cover water damage related to a flood, so if your home is located in a flood zone, you should consider getting flood coverage. Read more about flood zones and flood information on the National Flood Insurance Program (NFIP) website.
What Causes Floods?
Floods can occur for a variety of reasons. The following are some of the most common occurrences that lead to flooding:
Mudslides, caused by long, heavy rain periods on a hill or mountainside
Snowmelt, caused by the still-frozen ground being unable to absorb excess water
Ice jams, which are formed when an ice chunk flowing in a river or stream blocks, dams or narrows passageways, causing overflow
Urban development, such as new construction and/or ground paving, which alters the topography by not allowing the land to drain properly
Questions or Concerns?
For more information on flood insurance coverage, be sure to contact the Morgan Marrow Company at 757-865-1900. We look forward to your call.