Area insurance agent offers advice on flood insurance - WALB.com, South Georgia News, Weather, Sports

Area insurance agent offers advice on flood insurance

Try taking inventory of your belongings before the storms hit your area. (Source:WALB) Try taking inventory of your belongings before the storms hit your area. (Source:WALB)
Make sure that your insurance policies are up-to-date. (Source:WALB) Make sure that your insurance policies are up-to-date. (Source:WALB)
Tim Thomas, State Farm Insurance Agent (Source:WALB) Tim Thomas, State Farm Insurance Agent (Source:WALB)
The effects of a hurricane could bring flooding to South Georgia. (Source:WALB) The effects of a hurricane could bring flooding to South Georgia. (Source:WALB)
ALBANY, GA (WALB) -

Hurricane season started on June 1, and already South Georgia could see effects from Tropical Storm Colin.

It is the third named storm of 2016 and is expected to hit parts of Florida by Monday, June 6.

Tim Thomas is a State Farm insurance agent who is based in Albany.

He says that although South Georgia is not situated along the coast, area residents could still be impacted by the weather.

Strong winds, tornadoes, and flooding are all possible effects, so it is important to be prepared before the storms hit our area.

Thomas mentioned that preparations include getting the proper insurance.

“You need to do it now, it’s part of your preparation for preparing for the hurricane season,” Thomas added.

According to the insurance agent, flood insurance is not covered with homeowners or renters insurance.

‘So if you’re near a creek, a river, or an area that is known to flood, I suggest you go ahead and get that in place,” Thomas said.

Thomas said that he’s seen a number of policies on the market, so consumers should check with their insurance agents to make sure that they have the correct coverage.

Policies can include either an actual cash value policy or a replacement cost policy.

The actual cash policy means the insurance company will depreciate your loss, while the replacement cost policy pays for the replacement.

It’s also important to remember that there is a 30 day waiting period after an individual purchases flood insurance. Therefore, Thomas suggested that people purchase their coverage early.

“The only time that you don’t have the 30 day waiting period is if you just purchased the house, then there is no waiting period,” Thomas said.

For more information on flood insurance, visit State Farm's website.

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