{"id":52,"date":"2023-10-20T04:00:00","date_gmt":"2023-10-20T10:00:00","guid":{"rendered":"https:\/\/www.magicins.agency\/blog\/?p=52"},"modified":"2023-11-01T09:57:56","modified_gmt":"2023-11-01T15:57:56","slug":"flood-insurance-what-it-does-and-does-not-cover","status":"publish","type":"post","link":"https:\/\/www.magicins.agency\/blog\/flood-insurance-what-it-does-and-does-not-cover\/","title":{"rendered":"Flood Insurance: What It Does and Does Not Cover"},"content":{"rendered":"<p><span style=\"color:#000000\">Flooding due to heavy rains or hurricanes is all too common. Unfortunately, suffering water damage to your home only to learn that your home insurance policy doesn&rsquo;t cover flood damage is also common. As weather patterns shift and become more extreme, more and more homes in Birmingham, AL are being affected by floodwaters. In fact, more than 20% of the claims that the Federal Emergency Management Agency (FEMA) receives each year now come from areas historically considered to be moderate- to low-risk flood areas.<\/span><\/p>\n<p><span style=\"color:#000000\">As such, it&rsquo;s crucial that you understand the full extent of the risks in your area and plan accordingly. One of the best ways to do this is to purchase a flood insurance policy.<\/span><\/p>\n<h2><span style=\"color:#000000\">Common Situations Covered By Flood Insurance<\/span><\/h2>\n<p><span style=\"color:#000000\">Generally speaking, flood insurance covers damage to your home and belongings specifically caused by water. You can typically expect flood insurance to step when in situations where&nbsp;<\/span><\/p>\n<ul>\n<li><span style=\"color:#000000\">Rain accumulates faster than it can drain<\/span><\/li>\n<li><span style=\"color:#000000\">A body of water overflows its banks<\/span><\/li>\n<li><span style=\"color:#000000\">Heavy rains cause a mudslide<\/span><\/li>\n<li><span style=\"color:#000000\">A hurricane produces a storm surge<\/span><\/li>\n<\/ul>\n<h3><span style=\"color:#000000\">When Additional Coverage Might Be Needed<\/span><\/h3>\n<p><span style=\"color:#000000\">Though flood insurance is a must for anyone living in a flood-prone area, there are some types of damage that are typically not covered under these policies. Fortunately, most home insurance policies cover some level of water damage such as that caused by burst pipes and leaking appliances, two of the most common types of damage not covered by flood insurance.&nbsp;<\/span><\/p>\n<h3><span style=\"color:#000000\">Magic City Insurance Group LLC Is Here To Help<\/span><\/h3>\n<p><span style=\"color:#000000\">If you own a home in the Birmingham, AL area and are interested in purchasing flood insurance, give the team here at Magic City Insurance Group LLC a call. We have the information you need to find the right policy for you. Contact us today to learn more.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Flooding due to heavy rains or hurricanes is all too common. Unfortunately, suffering water damage to your home only to learn that your home insurance policy doesn&rsquo;t cover flood damage is also common. As weather patterns shift and become more extreme, more and more homes in Birmingham, AL are being affected by floodwaters. In fact, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[5,6],"class_list":["post-52","post","type-post","status-publish","format-standard","hentry","category-flood-insurance","tag-birmingham-al","tag-magic-city-insurance-group-llc"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Flooding due to heavy rains or hurricanes is all too common. Unfortunately, suffering water damage to your home only to learn that your home insurance policy doesn\u2019t cover flood damage is also common. As weather patterns shift and become more extreme, more and more homes in Birmingham, AL are being affected by floodwaters. In fact,\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"admin\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.magicins.agency\/blog\/flood-insurance-what-it-does-and-does-not-cover\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog | Magic City Insurance Group LLC -\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Flood Insurance: What It Does and Does Not Cover - Blog | Magic City Insurance Group LLC\" \/>\n\t\t<meta property=\"og:description\" content=\"Flooding due to heavy rains or hurricanes is all too common. Unfortunately, suffering water damage to your home only to learn that your home insurance policy doesn\u2019t cover flood damage is also common. As weather patterns shift and become more extreme, more and more homes in Birmingham, AL are being affected by floodwaters. In fact,\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.magicins.agency\/blog\/flood-insurance-what-it-does-and-does-not-cover\/\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2023-10-20T10:00:00+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2023-11-01T15:57:56+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary\" \/>\n\t\t<meta name=\"twitter:title\" content=\"Flood Insurance: What It Does and Does Not Cover - Blog | Magic City Insurance Group LLC\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Flooding due to heavy rains or hurricanes is all too common. Unfortunately, suffering water damage to your home only to learn that your home insurance policy doesn\u2019t cover flood damage is also common. 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