ALBANY, GA (WALB) - When you think about needing flood insurance, you may think of a natural disaster like Hurricane Michael or even the Albany floods of ’94 and ’98, but heavy rainfall that unexpectedly floods your home can cause the same issues.
Karen Cohilas, a State Farm insurance agent, said floods are the nation’s most common and costly natural disasters.
“The reality is we can’t protect against everything mother nature has to offer, so making sure you have the proper insurance in place is always the best protection against any sort of event,” Cohilas said.
Some people choose not to get flood insurance unless they’re federally mandated because they live in a flood zone.
Insurance agents said it can also help people who live close to those zones.
“If you’re just outside of a flood zone, you may still want to consider purchasing flood insurance, because you don’t know with the addition of new properties and new roads what’s going to happen every single time” Cohilas added.
Cohilas said if you’re looking into purchasing flood insurance, it’s important to do your research and find an agent that writes flood policies through the National Flood Insurance Program who can walk you through the process.
Remember, it takes at least 30 days for these policies to take effect, so you don’t want to wait until a weather event about to happen to try and purchase this type of insurance.
If your home floods for whatever reason and you don’t have flood insurance, you can get low cost loans through the federal government.
Lastly, insurance agents suggest that if your home does flood, you should do something about it as soon as possible.
“While it may dry out, there could be a lot of mold and other issues that can cause health problems for a long time so getting a mitigation out to take a look and treat it ASAP,” Cohilas said.