Skip to content
Click to Call
Magic City Insurance Group LLC

4268 Cahaba Heights Ct., Ste. 136
Vestavia, AL 35243

Get Directions

Why You Need Flood Insurance

Many people think they don’t need flood insurance, but flooding certainly happens across Alabama. When you own a home, you need to have a flood insurance policy on it to protect yourself financially. If you don’t have a flood policy, call us at Magic City Insurance Group LLC in Birmingham, AL to find out more and to get a policy. 

The National Flood Insurance Program

One of the reasons that flood insurance is easy to get is that it’s backed by the National Flood Insurance Program and is available across the nation through this program. It’s guaranteed by this national program, so you can trust these policies. It can’t go out of business or close up shop if there are a lot of claims to it. It’s a trustworthy program that has meant a lot to those who have experienced flooding. 

Home Insurance and Flooding

Flooding isn’t covered by home insurance policies. There are many people who skip flood insurance because they assume their home insurance will take care of it. However, it won’t. You always need to have this coverage in case of a flood. Even if your area isn’t designated as a flooding zone, it can still become flooded. Among flood claims from homeowners, about 20% of them come from outside of areas that are designated as flood zones. That makes it likely that virtually anywhere in the area can become flooded when the weather is right. You may not be near a creek or river and can still experience a flood due to heavy rainfall. To make sure you’re protected, always keep a flood policy. 

Get Flood Insurance

When you own a home, you need flood insurance. To get a policy of your own, give us a call today at Magic City Insurance Group LLC in Birmingham, AL. 

Is Flooding Only Susceptible to High-Risk Areas?

To give an accurate answer to this question is not a trivial matter. Due to the effects of climate change, industrialization, and urbanization, high-risk areas are on the rise. When looking for flood-related insurance, a study of historical and present data is necessary to make an accurate decision. For a more in-depth look at flood insurance, contact Magic City Insurance Group LLC, serving the greater Birmingham, AL community.

Is Flooding Only Prone to High-Risk Areas?

What makes this question a bit complicated to answer is the fact that climate change is changing the areas prone to flooding. What may have been a high-risk area for flooding 15 years ago might not be today. Similarly, what was a low-risk area 20 years ago, might be a high-risk area today.

For example, climate variations cause river floods to become more extreme and frequent in some areas while diminishing both size and frequency in others. It also vastly increases the amount of rainfall in some locations while drying up others.

Another example of how climate change impacts what we call high-risk areas is rising sea levels. It is theorized that this phenomenon occurs due to melting icecaps, but that’s a topic for another day. When sea levels rise, more areas come under water, and the adjacent land is more prone to flooding. A 2022 study by the World Bank indicated that 1.81 billion people are affected by flood risk, and the number is constantly rising.

Apart from climate change, urbanization also pushes more people to live in high-risk areas. In this scenario, the population is usually of a lower income bracket and must risk their families’ lives to make a living. The situation is worsening as the majority of these people cannot afford flood insurance. If the trend of high-risk areas increasing continues, it is possible that such policies will also rise in cost.

Contact Us Today

High-risk areas are changing due to several factors, making flood insurance more of a necessity. To learn more about flood coverage and available policies, contact Magic City Insurance Group LLC. Our insurance experts are proud to serve the residents of Birmingham, AL and surrounding areas.

Will flood insurance cover my car’s water damage?

If you live in a flood zone, flood insurance may be a wise investment. Many insurance policies aren’t designed to pay for flood damage. This is one of the many reasons why flood insurance is a good investment. It’s specifically designed to pay for the repair and replacement of items and structures damaged by flooding.

Our team at Magic City Insurance Group LLC is committed to helping Birmingham, AL residents understand flood insurance and get the coverage they need.

What is Flood Insurance?

The national flood insurance program or NFIP is designed to cover losses directly associated with flooding. Flood insurance is similar to any insurance in that it covers or pays for the repair or replacement of property and personal items damaged by flooding. The need to rely on government assistance or out-of-pocket money is offset by flood insurance because it pays for any and all of your flood-damaged items as well as structures and more. 

Will Flood Insurance Cover My Car’s Water Damage?

Flood insurance is designed to pay for items specifically damaged by flood waters. If your car has sustained water damage that didn’t come from flooding, flood insurance won’t pay for its repair or replacement. Your auto insurance policy could be used to cover the repair of your water-damaged car if you have the proper coverage. However, the repair of your car would only be covered under a flood insurance policy if the water damage was a direct result of flooding.

In essence, flood insurance is only designed to cover losses that are a direct result of flooding.

Contact Us Today

If you have questions about flood insurance, call us at Magic City Insurance Group LLC in Birmingham, AL. We’d be happy to explore the benefits of flood insurance and help you get the coverage you need. 

What Are The Benefits Of Having Flood Insurance?

Flood insurance provides financial support for a water build-up on your property. Depending on the risk posed by a given location, flood insurance can provide up to a $3 million payout. 

The insurance protects your home against major flooding if a body of water exceeds a certain level. It can also be used to cover emergency repairs such as flood damage caused by a storm. If you have related questions, Magic City Insurance Group LLC in Birmingham, AL is here to serve. 

Benefits of Flood Insurance 

If you are considering purchasing flood insurance, you should do your research and get the correct amount. Flood insurance provides certain benefits to property owners, such as flood relief and reduced risk of flood damage. 

Flood insurance can be a great insurance policy for small business owners who want to ensure their customers are covered. The policy helps prevent or reduce the risk of flood damages. It can also be used to cover personal expenses like emergency repairs or expenses for monitoring and controlling flood risks. 

The insurance provides an added layer of safety for homes, businesses, and other structures when a major flood occurs. It can also be used to mitigate the risk of a major flood by reducing the risk of future floods. Flood insurance can offer a number of benefits, including saving money by purchasing flood insurance when a flood occurs, preventing future floods, and reducing the risk of a catastrophic flood. The insurance provides a guaranteed level of insurance against flooding. It can be used to cover your home when it floods, or for other purposes. 

Give Us A Call

When considering the flood insurance advantages, don’t limit yourself to looking at the potential risk of a major flood. Focus on the potential cost of repairing or replacing your home after a flood. Flood insurance can also provide an important tool for mitigating risk. 

It can offer a guaranteed level of insurance against flooding. Flood insurance can also help prevent future flood damage by paying for damage that you do not cause. Consult with us at Magic City Insurance Group LLC in Birmingham, AL for expert insurance advice.

Benefits of Flood Insurance in Birmingham, AL

Flooding can cause a significant amount of damage to your home and belongings. Sometimes, it can even be life-threatening. That’s why it’s important to have flood insurance in Birmingham, AL if you live in an area prone to flooding.

Here are some benefits of having flood coverage:

Pay For Home Repairs

If floodwaters damage your home, your policy will help pay for the repairs. Water damage restoration can be an extensive process, so it’s crucial to have the coverage you need to get your home back to normal.

Mold is another problem that follows floodwaters. Certain situations might allow mold and mildew mitigation following flooding. Both contaminants are unhealthy to live around and will cause further damage to your home if not mitigated quickly.

Having coverage for mold and mildew from floodwater can be a lifesaver. The service in Birmingham, AL, is expensive, and some consumers can’t afford the cleanup. Magic City Insurance Group LLC can help you find flood insurance for your home to prepare you for any disaster.

Replacement Cost for Your Belongings

Your policy will also help pay to replace your belongings if flooding damages or destroys them. This benefit can be beneficial if you have many valuable items in your home.

Many people think that their homeowner’s insurance policy will cover them for all water damage, but that’s not always the case. Flood insurance is a specialized type of coverage that helps you when floodwaters invade your home and property.

Flooding can cause a lot of damage to your home and belongings. Protect your home, belongings, and family with flood insurance in Birmingham, AL. Contact Magic City Insurance Group LLC to learn more about your options.

Understanding the Importance of Flood Insurance

Many Birmingham, AL homeowners make the mistake of assuming that their homeowner’s insurance policy offers protection against floods. Unfortunately, it likely doesn’t. When flood damage is caused by a natural disaster as opposed to a burst plumbing pipe, specialized and separate flood insurance is necessary. Magic City Insurance Group LLC wants you to understand just how important having a flood insurance policy can be, especially if you live in a flood-prone area.

It Protects Your Home Structure

Floods are among the most common natural disasters that occur in the U.S. This is true for high-risk as well as non-high-risk areas. One-fifth of flood insurance claims are for non-high-risk areas. By investing in a flood insurance policy, you can protect the structure of your home in the event it suffers flood damage from torrential rainfall or another natural disaster. This includes damage to the roof, walls, flooring, and foundation.

It Protects Your Personal Belongings

Some policies will not cover your personal belongings within the house. The good news is you can purchase a separate policy that will cover these items. This is true whether you own your home, or if you are renting. In order to ensure you are properly protected, you will want to create an inventory list and provide it to your insurance company in the event a claim needs to be filed in the future.

When it comes to protecting your property in Birmingham, AL, a standard home insurance policy is usually not enough. You also should consider additional coverage like flood insurance to ensure you are properly covered in the event of a natural disaster. For more information, contact Magic City Insurance Group LLC.

  • allstate
  • american modern
  • Amtrust
  • cna
  • encompass
  • foremost
  • Guard
  • hippo
  • Hiscox
  • national general
  • nationwide
  • Next
  • Openly
  • progressive
  • RLI
  • safeco
  • state auto
  • the hartford
  • travelers
  • universal
  • USLI

quote-icon Comparing Quotes - Made Simple

Compare your unique insurance quotes
online via our comparative quoting form.

Get Started Today!

Get A Quote!